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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 | $147,449 | $157,296-6.3% | $141,191+4.4% | $152,897-3.6% |
| Participation rate | 63.6% | 84.8%-21.2pp | 82.5%-18.8pp | 82.5%-18.8pp |
| Annual return | 21.31% | 64.34%-43.0pp | 71.41%-50.1pp | 345.43%-324.1pp |
| Employer contribution / active EE | $903 | $5,262-82.8% | $4,736-80.9% | $4,764-81.0% |
| Participant deferral / active EE | $7,401 | $7,111+4.1% | $6,710+10.3% | $5,851+26.5% |
| Admin fee / account holder | $6,499 | $12,125-46.4% | $10,264-36.7% | $11,599-44.0% |