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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 | $41,067 | $30,732+33.6% | $59,496-31.0% | $59,632-31.1% |
| Participation rate | 16.7% | 43.2%-26.5pp | 54.6%-37.9pp | 68.7%-52.0pp |
| Annual return | -0.89% | 4.47%-5.4pp | 182.05%-182.9pp | 2041.32%-2042.2pp |
| Employer contribution / active EE | $0 | $631-100.0% | $1,153-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $729 | $1,183-38.4% | $1,829-60.1% | $3,192-77.2% |
| Admin fee / account holder | $2,427 | $2,136+13.6% | $2,232+8.7% | $4,297-43.5% |