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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 | $97,728 | $115,796-15.6% | $101,264-3.5% | $158,950-38.5% |
| Participation rate | 25.0% | 79.4%-54.4pp | 75.8%-50.8pp | 82.0%-57.0pp |
| Annual return | 16.94% | 56.15%-39.2pp | 46.48%-29.5pp | 302.91%-286.0pp |
| Employer contribution / active EE | $238 | $4,175-94.3% | $3,660-93.5% | $4,762-95.0% |
| Participant deferral / active EE | $5,058 | $4,958+2.0% | $4,370+15.7% | $5,983-15.5% |
| Admin fee / account holder | $779 | $7,247-89.3% | $5,947-86.9% | $11,248-93.1% |