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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 | $179,242 | $152,612+17.4% | $125,192+43.2% | $152,897+17.2% |
| Participation rate | 60.9% | 83.3%-22.5pp | 79.8%-18.9pp | 82.5%-21.6pp |
| Annual return | 24.41% | 54.85%-30.4pp | 43.79%-19.4pp | 345.43%-321.0pp |
| Employer contribution / active EE | $757 | $4,947-84.7% | $3,866-80.4% | $4,764-84.1% |
| Participant deferral / active EE | $4,410 | $5,868-24.9% | $4,937-10.7% | $5,851-24.6% |
| Admin fee / account holder | $18,444 | $13,437+37.3% | $9,704+90.1% | $11,599+59.0% |