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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 | $150,623 | $98,776+52.5% | $149,745+0.6% | $79,856+88.6% |
| Participation rate | 57.6% | 75.8%-18.2pp | 82.5%-24.9pp | 69.6%-12.1pp |
| Annual return | 19.82% | 27.38%-7.6pp | 276.72%-256.9pp | 31.71%-11.9pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $5,054 | $5,681-11.1% | $6,843-26.1% | $3,741+35.1% |
| Admin fee / account holder | $3,103 | $6,053-48.7% | $9,312-66.7% | $5,306-41.5% |