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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 | $145,972 | $126,661+15.2% | $113,397+28.7% | $138,895+5.1% |
| Participation rate | 58.3% | 79.4%-21.1pp | 76.5%-18.2pp | 79.9%-21.6pp |
| Annual return | 32.91% | 25.05%+7.9pp | 23.20%+9.7pp | 145.39%-112.5pp |
| Employer contribution / active EE | $0 | $3,456-100.0% | $2,977-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $2,928 | $5,693-48.6% | $5,076-42.3% | $6,396-54.2% |
| Admin fee / account holder | $52,603 | $14,549+261.5% | $11,957+339.9% | $12,562+318.7% |