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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 | $104,344 | $147,556-29.3% | $129,031-19.1% | $198,609-47.5% |
| Participation rate | 60.0% | 77.2%-17.2pp | 73.4%-13.4pp | 82.4%-22.4pp |
| Annual return | 13.93% | 37.41%-23.5pp | 34.67%-20.7pp | 202.70%-188.8pp |
| Employer contribution / active EE | $0 | $3,645-100.0% | $3,226-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $23,450 | $5,760+307.1% | $5,217+349.5% | $6,977+236.1% |
| Admin fee / account holder | $18,516 | $15,467+19.7% | $13,208+40.2% | $19,030-2.7% |