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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 | $169,298 | $54,541+210.4% | $78,778+114.9% | $70,126+141.4% |
| Participation rate | 44.1% | 60.8%-16.7pp | 69.2%-25.1pp | 69.5%-25.4pp |
| Annual return | 20.19% | 21.07%-0.9pp | 35.62%-15.4pp | 73.15%-53.0pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $4,591 | $2,210+107.7% | $2,958+55.2% | $3,332+37.8% |
| Admin fee / account holder | $1,466 | $3,709-60.5% | $5,134-71.4% | $4,645-68.4% |