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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 | $47,284 | $75,832-37.6% | $147,617-68.0% | $59,633-20.7% |
| Participation rate | 31.8% | 71.6%-39.7pp | 84.6%-52.8pp | 68.7%-36.9pp |
| Annual return | -1.53% | 0.37%-1.9pp | 61.98%-63.5pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $0 | $3,485-100.0% | $5,564-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,847 | $3,131-41.0% | $4,895-62.3% | $3,192-42.1% |
| Admin fee / account holder | $545 | $5,986-90.9% | $11,612-95.3% | $4,297-87.3% |