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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 | $213,432 | $69,274+208.1% | $64,097+233.0% | $139,487+53.0% |
| Participation rate | 27.3% | 75.6%-48.3pp | 72.3%-45.0pp | 80.3%-53.1pp |
| Annual return | 13.15% | 46.00%-32.9pp | 33.75%-20.6pp | 373.84%-360.7pp |
| Employer contribution / active EE | $0 | $3,187-100.0% | $2,750-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $2,766 | $4,685-41.0% | $3,881-28.7% | $6,713-58.8% |
| Admin fee / account holder | $3,018 | $4,247-28.9% | $3,070-1.7% | $11,407-73.5% |