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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 | $149,805 | $82,674+81.2% | $125,381+19.5% | $68,486+118.7% |
| Participation rate | 39.5% | 75.1%-35.6pp | 82.4%-42.9pp | 67.9%-28.4pp |
| Annual return | -13.60% | -5.97%-7.6pp | 572.31%-585.9pp | -7.85%-5.7pp |
| Employer contribution / active EE | $550 | $3,382-83.7% | $4,815-88.6% | $2,597-78.8% |
| Participant deferral / active EE | $5,135 | $6,111-16.0% | $7,448-31.1% | $4,028+27.5% |
| Admin fee / account holder | $309 | $6,277-95.1% | $10,007-96.9% | $5,404-94.3% |