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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 | $118,935 | $73,107+62.7% | $114,563+3.8% | $87,485+35.9% |
| Participation rate | 47.4% | 65.8%-18.4pp | 72.9%-25.5pp | 68.9%-21.6pp |
| Annual return | 15.93% | 19.47%-3.5pp | 241.09%-225.2pp | 26.06%-10.1pp |
| Employer contribution / active EE | $177 | $1,881-90.6% | $2,592-93.2% | $2,596-93.2% |
| Participant deferral / active EE | $3,550 | $3,144+12.9% | $4,142-14.3% | $4,274-16.9% |
| Admin fee / account holder | $4,922 | $5,770-14.7% | $7,623-35.4% | $7,775-36.7% |