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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 | $69,837 | $167,323-58.3% | $143,770-51.4% | $134,493-48.1% |
| Participation rate | 61.5% | 84.8%-23.3pp | 80.3%-18.8pp | 81.2%-19.7pp |
| Annual return | -12.03% | 0.47%-12.5pp | -0.04%-12.0pp | 418.01%-430.0pp |
| Employer contribution / active EE | $1,057 | $5,619-81.2% | $4,951-78.7% | $4,740-77.7% |
| Participant deferral / active EE | $4,792 | $6,446-25.7% | $5,638-15.0% | $6,400-25.1% |
| Admin fee / account holder | $149,072 | $18,088+724.1% | $14,673+916.0% | $11,425+1204.8% |