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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 | $140,906 | $116,203+21.3% | $93,621+50.5% | $152,909-7.8% |
| Participation rate | 42.9% | 78.1%-35.2pp | 75.8%-33.0pp | 82.5%-39.6pp |
| Annual return | 20.55% | 35.96%-15.4pp | 32.76%-12.2pp | 345.46%-324.9pp |
| Employer contribution / active EE | $0 | $3,219-100.0% | $2,719-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $3,718 | $4,605-19.3% | $4,070-8.6% | $5,851-36.5% |
| Admin fee / account holder | $944 | $10,751-91.2% | $7,890-88.0% | $11,601-91.9% |