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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 | $78,733 | $107,421-26.7% | $182,262-56.8% | $94,015-16.3% |
| Participation rate | 55.6% | 77.8%-22.2pp | 84.2%-28.7pp | 70.8%-15.3pp |
| Annual return | 15.96% | 21.32%-5.4pp | 140.60%-124.6pp | 17.84%-1.9pp |
| Employer contribution / active EE | -$0 | $3,448-100.0% | $5,046-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $7,423 | $6,558+13.2% | $8,276-10.3% | $4,249+74.7% |
| Admin fee / account holder | $1,132 | $8,692-87.0% | $16,712-93.2% | $8,951-87.4% |