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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 | $88,408 | $91,198-3.1% | $178,503-50.5% | $79,856+10.7% |
| Participation rate | 35.5% | 69.2%-33.7pp | 81.9%-46.4pp | 69.6%-34.2pp |
| Annual return | 15.73% | 24.20%-8.5pp | 151.12%-135.4pp | 31.71%-16.0pp |
| Employer contribution / active EE | $0 | $3,257-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,244 | $3,237-61.6% | $5,202-76.1% | $3,741-66.7% |
| Admin fee / account holder | $338 | $6,748-95.0% | $13,987-97.6% | $5,306-93.6% |