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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 | $96,374 | $91,198+5.7% | $178,503-46.0% | $79,856+20.7% |
| Participation rate | 53.7% | 69.2%-15.5pp | 81.9%-28.2pp | 69.6%-15.9pp |
| Annual return | 31.37% | 24.20%+7.2pp | 151.12%-119.7pp | 31.71%-0.3pp |
| Employer contribution / active EE | $0 | $3,257-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,833 | $3,237+18.4% | $5,202-26.3% | $3,741+2.5% |
| Admin fee / account holder | $15,891 | $6,748+135.5% | $13,987+13.6% | $5,306+199.5% |