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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 | $188,657 | $102,393+84.2% | $147,041+28.3% | $80,911+133.2% |
| Participation rate | 15.4% | 75.9%-60.5pp | 82.2%-66.8pp | 67.6%-52.3pp |
| Annual return | 14.66% | 134.95%-120.3pp | 419.21%-404.5pp | 35.63%-21.0pp |
| Employer contribution / active EE | $579 | $3,715-84.4% | $4,935-88.3% | $2,756-79.0% |
| Participant deferral / active EE | $3,323 | $6,647-50.0% | $8,071-58.8% | $4,297-22.7% |
| Admin fee / account holder | $10,847 | $7,943+36.6% | $13,006-16.6% | $6,935+56.4% |