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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 | $234,245 | $182,442+28.4% | $163,379+43.4% | $138,895+68.6% |
| Participation rate | 55.6% | 79.8%-24.2pp | 76.8%-21.3pp | 79.9%-24.4pp |
| Annual return | 10.60% | 72.74%-62.1pp | 63.41%-52.8pp | 145.39%-134.8pp |
| Employer contribution / active EE | $0 | $4,159-100.0% | $3,752-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $4,880 | $6,817-28.4% | $6,282-22.3% | $6,396-23.7% |
| Admin fee / account holder | $46,483 | $10,396+347.1% | $9,818+373.5% | $12,562+270.0% |