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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 | $67,120 | $54,357+23.5% | $82,706-18.8% | $68,495-2.0% |
| Participation rate | 29.1% | 63.9%-34.8pp | 72.6%-43.5pp | 67.9%-38.8pp |
| Annual return | -15.21% | -13.67%-1.5pp | 701.76%-717.0pp | -7.84%-7.4pp |
| Employer contribution / active EE | $0 | $2,218-100.0% | $3,007-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,451 | $3,246+6.3% | $4,394-21.4% | $4,028-14.3% |
| Admin fee / account holder | $3,024 | $4,396-31.2% | $5,329-43.3% | $5,403-44.0% |