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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 | $112,687 | $102,429+10.0% | $147,096-23.4% | $80,925+39.2% |
| Participation rate | 65.5% | 75.9%-10.3pp | 82.2%-16.7pp | 67.7%-2.1pp |
| Annual return | 12.55% | 135.02%-122.5pp | 419.75%-407.2pp | 35.65%-23.1pp |
| Employer contribution / active EE | $533 | $3,716-85.6% | $4,936-89.2% | $2,756-80.6% |
| Participant deferral / active EE | $6,455 | $6,649-2.9% | $8,071-20.0% | $4,299+50.2% |
| Admin fee / account holder | $2,801 | $7,957-64.8% | $13,005-78.5% | $6,940-59.6% |