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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 | $75,880 | $95,415-20.5% | $185,851-59.2% | $85,851-11.6% |
| Participation rate | 69.0% | 68.8%+0.2pp | 81.7%-12.7pp | 69.3%-0.4pp |
| Annual return | 12.92% | 23.59%-10.7pp | 122.11%-109.2pp | 318.63%-305.7pp |
| Employer contribution / active EE | $0 | $3,314-100.0% | $5,168-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,948 | $3,424-43.1% | $5,569-65.0% | $3,952-50.7% |
| Admin fee / account holder | $4,487 | $7,215-37.8% | $16,245-72.4% | $6,261-28.3% |