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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 | $191,091 | $93,117+105.2% | $77,096+147.9% | $134,532+42.0% |
| Participation rate | 64.3% | 74.5%-10.2pp | 67.9%-3.6pp | 81.2%-16.9pp |
| Annual return | -17.79% | 62.67%-80.5pp | 42.35%-60.1pp | 418.27%-436.1pp |
| Employer contribution / active EE | $0 | $3,420-100.0% | $2,814-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $8,143 | $5,241+55.4% | $4,429+83.8% | $6,401+27.2% |
| Admin fee / account holder | $3,841 | $6,948-44.7% | $5,428-29.2% | $11,429-66.4% |