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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 | $115,884 | $86,288+34.3% | $111,306+4.1% | $85,851+35.0% |
| Participation rate | 47.0% | 73.3%-26.4pp | 77.3%-30.4pp | 69.3%-22.4pp |
| Annual return | 13.85% | 19.99%-6.1pp | 54.67%-40.8pp | 318.63%-304.8pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $2,732-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,026 | $3,641-16.9% | $4,488-32.6% | $3,952-23.4% |
| Admin fee / account holder | $10,793 | $8,189+31.8% | $7,966+35.5% | $6,261+72.4% |