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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 | $33,692 | $32,117+4.9% | $71,086-52.6% | $64,173-47.5% |
| Participation rate | 22.0% | 42.7%-20.7pp | 54.7%-32.7pp | 69.6%-47.6pp |
| Annual return | -4.63% | -5.57%+0.9pp | 650.59%-655.2pp | 7.63%-12.3pp |
| Employer contribution / active EE | $0 | $712-100.0% | $1,088-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $624 | $1,263-50.6% | $1,874-66.7% | $3,470-82.0% |
| Admin fee / account holder | $466 | $2,759-83.1% | $3,082-84.9% | $4,887-90.5% |