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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 | $233,125 | $167,352+39.3% | $143,788+62.1% | $134,509+73.3% |
| Participation rate | 38.9% | 84.8%-45.9pp | 80.3%-41.4pp | 81.2%-42.3pp |
| Annual return | -15.82% | 0.47%-16.3pp | -0.03%-15.8pp | 418.13%-434.0pp |
| Employer contribution / active EE | $1,034 | $5,620-81.6% | $4,952-79.1% | $4,741-78.2% |
| Participant deferral / active EE | $5,327 | $6,447-17.4% | $5,638-5.5% | $6,400-16.8% |
| Admin fee / account holder | $3,710 | $18,091-79.5% | $14,675-74.7% | $11,427-67.5% |