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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 | $116,656 | $81,208+43.7% | $98,920+17.9% | $79,852+46.1% |
| Participation rate | 45.7% | 72.5%-26.9pp | 76.0%-30.4pp | 69.6%-24.0pp |
| Annual return | 14.22% | 60.99%-46.8pp | 196.47%-182.2pp | 31.72%-17.5pp |
| Employer contribution / active EE | $218 | $1,960-88.9% | $2,689-91.9% | $2,471-91.2% |
| Participant deferral / active EE | $1,765 | $3,265-45.9% | $4,245-58.4% | $3,740-52.8% |
| Admin fee / account holder | $5,876 | $6,013-2.3% | $6,643-11.5% | $5,306+10.7% |