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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 | $158,569 | $91,537+73.2% | $130,045+21.9% | $75,173+110.9% |
| Participation rate | 48.7% | 71.5%-22.7pp | 78.5%-29.8pp | 67.2%-18.5pp |
| Annual return | 17.69% | -631.55%+649.2pp | -137.30%+155.0pp | 160.72%-143.0pp |
| Employer contribution / active EE | $299 | $2,845-89.5% | $4,321-93.1% | $2,671-88.8% |
| Participant deferral / active EE | $4,220 | $4,343-2.8% | $5,820-27.5% | $4,126+2.3% |
| Admin fee / account holder | $19,759 | $6,780+191.4% | $10,600+86.4% | $5,651+249.7% |