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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 | $140,598 | $78,690+78.7% | $161,489-12.9% | $87,485+60.7% |
| Participation rate | 44.8% | 67.5%-22.7pp | 78.7%-33.9pp | 68.9%-24.2pp |
| Annual return | 16.38% | 32.74%-16.4pp | 89.72%-73.3pp | 26.06%-9.7pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,506 | $3,311+36.1% | $5,630-20.0% | $4,274+5.4% |
| Admin fee / account holder | $11,626 | $6,724+72.9% | $16,006-27.4% | $7,775+49.5% |