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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 | $135,816 | $177,595-23.5% | $148,496-8.5% | $198,609-31.6% |
| Participation rate | 42.1% | 79.3%-37.1pp | 76.0%-33.9pp | 82.4%-40.3pp |
| Annual return | 10.42% | 9.97%+0.4pp | 12.33%-1.9pp | 202.70%-192.3pp |
| Employer contribution / active EE | $0 | $4,098-100.0% | $3,497-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $3,634 | $5,539-34.4% | $4,808-24.4% | $6,977-47.9% |
| Admin fee / account holder | $3,009 | $27,010-88.9% | $19,547-84.6% | $19,030-84.2% |