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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 | $110,184 | $167,504-34.2% | $151,628-27.3% | $134,509-18.1% |
| Participation rate | 36.4% | 88.4%-52.0pp | 87.5%-51.1pp | 81.2%-44.9pp |
| Annual return | 45.16% | 7.81%+37.4pp | 3.34%+41.8pp | 418.13%-373.0pp |
| Employer contribution / active EE | $1,138 | $6,828-83.3% | $6,165-81.5% | $4,741-76.0% |
| Participant deferral / active EE | $3,250 | $8,985-63.8% | $8,363-61.1% | $6,400-49.2% |
| Admin fee / account holder | $704 | $13,779-94.9% | $11,613-93.9% | $11,427-93.8% |