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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 | $58,154 | $49,976+16.4% | $66,674-12.8% | $82,637-29.6% |
| Participation rate | 51.9% | 63.1%-11.2pp | 73.7%-21.8pp | 68.1%-16.2pp |
| Annual return | 20.42% | 39.09%-18.7pp | 321.24%-300.8pp | 53.51%-33.1pp |
| Employer contribution / active EE | $0 | $1,988-100.0% | $2,620-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $8,170 | $2,847+187.0% | $4,084+100.0% | $4,126+98.0% |
| Admin fee / account holder | $7,645 | $4,594+66.4% | $5,098+50.0% | $7,339+4.2% |