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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 | $99,507 | $95,406+4.3% | $185,849-46.5% | $85,847+15.9% |
| Participation rate | 29.4% | 68.8%-39.4pp | 81.7%-52.3pp | 69.3%-39.9pp |
| Annual return | 15.18% | 23.59%-8.4pp | 122.10%-106.9pp | 318.61%-303.4pp |
| Employer contribution / active EE | $0 | $3,314-100.0% | $5,169-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,215 | $3,424-64.5% | $5,569-78.2% | $3,952-69.3% |
| Admin fee / account holder | $5,503 | $7,214-23.7% | $16,244-66.1% | $6,261-12.1% |