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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 | $96,634 | $78,428+23.2% | $95,960+0.7% | $79,852+21.0% |
| Participation rate | 44.3% | 73.5%-29.2pp | 77.1%-32.8pp | 69.6%-25.3pp |
| Annual return | 16.18% | 19.37%-3.2pp | 91.63%-75.5pp | 31.72%-15.5pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,398 | $3,440-1.2% | $4,167-18.5% | $3,740-9.2% |
| Admin fee / account holder | $11,445 | $5,622+103.6% | $6,797+68.4% | $5,306+115.7% |