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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 | $164,448 | $77,638+111.8% | $156,551+5.0% | $62,881+161.5% |
| Participation rate | 41.4% | 71.2%-29.8pp | 84.0%-42.6pp | 69.3%-27.9pp |
| Annual return | 7.76% | 50.33%-42.6pp | 32.23%-24.5pp | 20.14%-12.4pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $5,501-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $6,719 | $3,046+120.6% | $4,871+37.9% | $3,203+109.8% |
| Admin fee / account holder | $3,208 | $5,561-42.3% | $13,028-75.4% | $4,296-25.3% |