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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 | $98,431 | $85,766+14.8% | $136,297-27.8% | $70,124+40.4% |
| Participation rate | 38.7% | 74.2%-35.4pp | 81.9%-43.2pp | 69.5%-30.8pp |
| Annual return | 18.68% | 31.45%-12.8pp | 5156.19%-5137.5pp | 73.14%-54.5pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $3,792 | $5,051-24.9% | $6,247-39.3% | $3,332+13.8% |
| Admin fee / account holder | $4,091 | $5,420-24.5% | $9,244-55.7% | $4,645-11.9% |