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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 | $139,379 | $115,814+20.3% | $101,275+37.6% | $158,982-12.3% |
| Participation rate | 45.0% | 79.4%-34.4pp | 75.8%-30.8pp | 82.0%-37.0pp |
| Annual return | 11.26% | 56.16%-44.9pp | 46.48%-35.2pp | 302.99%-291.7pp |
| Employer contribution / active EE | $0 | $4,176-100.0% | $3,660-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $1,659 | $4,958-66.5% | $4,371-62.0% | $5,983-72.3% |
| Admin fee / account holder | $30,826 | $7,249+325.2% | $5,948+418.3% | $11,252+174.0% |