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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 | $32,124 | $75,962-57.7% | $154,108-79.2% | $64,173-49.9% |
| Participation rate | 42.6% | 70.4%-27.8pp | 83.0%-40.4pp | 69.6%-26.9pp |
| Annual return | -4.33% | 30.32%-34.7pp | 735.21%-739.5pp | 7.63%-12.0pp |
| Employer contribution / active EE | $195 | $3,350-94.2% | $5,298-96.3% | $2,381-91.8% |
| Participant deferral / active EE | $1,611 | $3,175-49.3% | $5,081-68.3% | $3,470-53.6% |
| Admin fee / account holder | $7,822 | $5,589+39.9% | $13,411-41.7% | $4,887+60.0% |