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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $204,623 | $78,423+160.9% | $95,964+113.2% | $79,856+156.2% |
| Participation rate | 48.5% | 73.5%-25.0pp | 77.1%-28.6pp | 69.6%-21.2pp |
| Annual return | 13.16% | 19.37%-6.2pp | 91.64%-78.5pp | 31.71%-18.5pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,294 | $3,440-4.3% | $4,167-20.9% | $3,741-11.9% |
| Admin fee / account holder | $3,235 | $5,622-42.5% | $6,797-52.4% | $5,306-39.0% |