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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 | $143,123 | $99,875+43.3% | $146,866-2.5% | $86,983+64.5% |
| Participation rate | 63.6% | 75.8%-12.2pp | 82.5%-18.9pp | 69.5%-5.9pp |
| Annual return | 15.63% | 28.10%-12.5pp | 102.85%-87.2pp | 25.83%-10.2pp |
| Employer contribution / active EE | $0 | $3,224-100.0% | $4,425-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $5,303 | $6,322-16.1% | $7,759-31.7% | $4,194+26.4% |
| Admin fee / account holder | $4,818 | $7,838-38.5% | $13,620-64.6% | $7,856-38.7% |