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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 | $39,890 | $49,177-18.9% | $79,466-49.8% | $64,173-37.8% |
| Participation rate | 40.5% | 65.0%-24.6pp | 73.3%-32.9pp | 69.6%-29.1pp |
| Annual return | -6.13% | -1.16%-5.0pp | 718.28%-724.4pp | 7.63%-13.8pp |
| Employer contribution / active EE | $0 | $2,076-100.0% | $2,800-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,481 | $2,821-12.0% | $3,704-33.0% | $3,470-28.5% |
| Admin fee / account holder | $2,183 | $3,839-43.1% | $5,104-57.2% | $4,887-55.3% |