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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 | $104,810 | $105,200-0.4% | $159,474-34.3% | $85,847+22.1% |
| Participation rate | 63.9% | 75.8%-11.9pp | 82.8%-18.9pp | 69.3%-5.4pp |
| Annual return | 15.57% | 45.08%-29.5pp | 263.68%-248.1pp | 318.61%-303.0pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,831-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,589 | $5,946-56.5% | $7,353-64.8% | $3,952-34.5% |
| Admin fee / account holder | $11,556 | $6,934+66.6% | $10,802+7.0% | $6,261+84.6% |