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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 | $46,653 | $82,674-43.6% | $125,363-62.8% | $68,495-31.9% |
| Participation rate | 50.0% | 75.0%-25.0pp | 82.4%-32.4pp | 67.9%-17.9pp |
| Annual return | -15.38% | -5.97%-9.4pp | 572.15%-587.5pp | -7.84%-7.5pp |
| Employer contribution / active EE | $114 | $3,382-96.6% | $4,815-97.6% | $2,596-95.6% |
| Participant deferral / active EE | $3,842 | $6,111-37.1% | $7,447-48.4% | $4,028-4.6% |
| Admin fee / account holder | $705 | $6,276-88.8% | $10,005-93.0% | $5,403-87.0% |