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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 | $137,977 | $93,345+47.8% | $119,126+15.8% | $87,485+57.7% |
| Participation rate | 39.3% | 68.7%-29.4pp | 75.8%-36.4pp | 68.9%-29.6pp |
| Annual return | 13.41% | 19.08%-5.7pp | 282.11%-268.7pp | 26.06%-12.6pp |
| Employer contribution / active EE | $0 | $3,172-100.0% | $4,034-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,110 | $4,099+0.3% | $5,318-22.7% | $4,274-3.8% |
| Admin fee / account holder | $14,698 | $8,039+82.8% | $10,693+37.4% | $7,775+89.0% |