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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 | $137,919 | $125,184+10.2% | $105,607+30.6% | $145,884-5.5% |
| Participation rate | 35.3% | 77.6%-42.3pp | 75.3%-40.0pp | 80.3%-45.0pp |
| Annual return | 15.97% | 225.00%-209.0pp | 116.11%-100.1pp | 551.85%-535.9pp |
| Employer contribution / active EE | $314 | $3,720-91.5% | $3,167-90.1% | $4,662-93.3% |
| Participant deferral / active EE | $1,734 | $5,714-69.7% | $5,011-65.4% | $6,690-74.1% |
| Admin fee / account holder | $22,032 | $17,133+28.6% | $10,958+101.1% | $13,392+64.5% |