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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 | $94,880 | $78,705+20.6% | $117,860-19.5% | $70,124+35.3% |
| Participation rate | 47.0% | 73.2%-26.2pp | 79.7%-32.7pp | 69.5%-22.6pp |
| Annual return | 13.90% | 23.30%-9.4pp | 335.10%-321.2pp | 73.14%-59.2pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $2,841 | $3,297-13.8% | $4,482-36.6% | $3,332-14.7% |
| Admin fee / account holder | $1,829 | $5,065-63.9% | $8,021-77.2% | $4,645-60.6% |