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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 | $157,705 | $124,351+26.8% | $109,188+44.4% | $167,553-5.9% |
| Participation rate | 45.8% | 79.4%-33.6pp | 75.9%-30.0pp | 82.1%-36.3pp |
| Annual return | 10.93% | 26.04%-15.1pp | 25.76%-14.8pp | 478.89%-468.0pp |
| Employer contribution / active EE | $0 | $4,210-100.0% | $3,723-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $3,560 | $5,257-32.3% | $4,654-23.5% | $6,343-43.9% |
| Admin fee / account holder | $3,857 | $7,975-51.6% | $6,755-42.9% | $12,316-68.7% |