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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 | $184,488 | $209,428-11.9% | $178,498+3.4% | $158,950+16.1% |
| Participation rate | 38.1% | 86.4%-48.3pp | 81.9%-43.8pp | 82.0%-43.9pp |
| Annual return | 9.41% | 188.78%-179.4pp | 151.09%-141.7pp | 302.91%-293.5pp |
| Employer contribution / active EE | $0 | $5,707-100.0% | $5,011-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $6,016 | $5,955+1.0% | $5,202+15.6% | $5,983+0.6% |
| Admin fee / account holder | $52,545 | $17,077+207.7% | $13,985+275.7% | $11,248+367.1% |