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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 | $87,253 | $43,730+99.5% | $121,220-28.0% | $64,173+36.0% |
| Participation rate | 37.5% | 58.3%-20.8pp | 71.8%-34.3pp | 69.6%-32.1pp |
| Annual return | -5.61% | 68.94%-74.5pp | 16.94%-22.5pp | 7.63%-13.2pp |
| Employer contribution / active EE | $0 | $1,297-100.0% | $4,023-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,071 | $2,281-9.2% | $3,345-38.1% | $3,470-40.3% |
| Admin fee / account holder | $477 | $3,502-86.4% | $5,021-90.5% | $4,887-90.2% |