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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 | $90,647 | $52,279+73.4% | $89,414+1.4% | $79,852+13.5% |
| Participation rate | 60.0% | 57.5%+2.5pp | 68.0%-8.0pp | 69.6%-9.6pp |
| Annual return | 21.38% | 22.16%-0.8pp | 245.50%-224.1pp | 31.72%-10.3pp |
| Employer contribution / active EE | $0 | $1,572-100.0% | $2,586-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,040 | $2,740+47.4% | $3,890+3.9% | $3,740+8.0% |
| Admin fee / account holder | $9,369 | $3,356+179.1% | $4,883+91.9% | $5,306+76.6% |