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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 | $178,157 | $157,829+12.9% | $136,867+30.2% | $198,609-10.3% |
| Participation rate | 46.7% | 77.2%-30.5pp | 74.5%-27.9pp | 82.4%-35.7pp |
| Annual return | 18.08% | 51.25%-33.2pp | 42.97%-24.9pp | 202.70%-184.6pp |
| Employer contribution / active EE | $0 | $3,923-100.0% | $3,547-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $5,932 | $5,463+8.6% | $4,924+20.5% | $6,977-15.0% |
| Admin fee / account holder | $382 | $11,107-96.6% | $10,340-96.3% | $19,030-98.0% |