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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 | $141,357 | $102,422+38.0% | $147,117-3.9% | $80,959+74.6% |
| Participation rate | 68.4% | 75.9%-7.5pp | 82.2%-13.8pp | 67.7%+0.8pp |
| Annual return | 23.62% | 135.16%-111.5pp | 420.54%-396.9pp | 35.67%-12.0pp |
| Employer contribution / active EE | $482 | $3,717-87.0% | $4,932-90.2% | $2,757-82.5% |
| Participant deferral / active EE | $7,035 | $6,652+5.8% | $8,065-12.8% | $4,300+63.6% |
| Admin fee / account holder | $7,369 | $7,953-7.4% | $12,993-43.3% | $6,925+6.4% |