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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 | $50,130 | $43,730+14.6% | $121,208-58.6% | $64,181-21.9% |
| Participation rate | 26.3% | 58.3%-32.0pp | 71.8%-45.4pp | 69.6%-43.3pp |
| Annual return | -4.33% | 68.94%-73.3pp | 16.93%-21.3pp | 7.63%-12.0pp |
| Employer contribution / active EE | $0 | $1,297-100.0% | $4,023-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,175 | $2,281-48.5% | $3,345-64.9% | $3,470-66.1% |
| Admin fee / account holder | $8,325 | $3,502+137.7% | $5,020+65.8% | $4,887+70.3% |