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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 | $140,659 | $91,198+54.2% | $178,503-21.2% | $79,856+76.1% |
| Participation rate | 45.9% | 69.2%-23.3pp | 81.9%-36.0pp | 69.6%-23.7pp |
| Annual return | 10.62% | 24.20%-13.6pp | 151.12%-140.5pp | 31.71%-21.1pp |
| Employer contribution / active EE | $0 | $3,257-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,597 | $3,237+42.0% | $5,202-11.6% | $3,741+22.9% |
| Admin fee / account holder | $7,156 | $6,748+6.0% | $13,987-48.8% | $5,306+34.9% |