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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 | $193,996 | $182,442+6.3% | $163,379+18.7% | $138,895+39.7% |
| Participation rate | 53.8% | 79.8%-25.9pp | 76.8%-23.0pp | 79.9%-26.1pp |
| Annual return | 15.17% | 72.74%-57.6pp | 63.41%-48.2pp | 145.39%-130.2pp |
| Employer contribution / active EE | $0 | $4,159-100.0% | $3,752-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $5,341 | $6,817-21.7% | $6,282-15.0% | $6,396-16.5% |
| Admin fee / account holder | $17,566 | $10,396+69.0% | $9,818+78.9% | $12,562+39.8% |