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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 | $135,114 | $91,559+47.6% | $133,978+0.8% | $79,856+69.2% |
| Participation rate | 54.2% | 73.3%-19.2pp | 79.8%-25.7pp | 69.6%-15.5pp |
| Annual return | 16.23% | 61.85%-45.6pp | 45.10%-28.9pp | 31.71%-15.5pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,526 | $3,734-5.6% | $5,047-30.1% | $3,741-5.7% |
| Admin fee / account holder | $18,508 | $6,321+192.8% | $8,930+107.3% | $5,306+248.8% |