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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 | $108,922 | $129,959-16.2% | $104,301+4.4% | $134,532-19.0% |
| Participation rate | 45.5% | 79.5%-34.1pp | 73.3%-27.8pp | 81.2%-35.8pp |
| Annual return | -10.75% | 42.04%-52.8pp | 24.61%-35.4pp | 418.27%-429.0pp |
| Employer contribution / active EE | $665 | $4,185-84.1% | $3,373-80.3% | $4,741-86.0% |
| Participant deferral / active EE | $4,662 | $5,589-16.6% | $4,626+0.8% | $6,401-27.2% |
| Admin fee / account holder | $40,113 | $9,325+330.2% | $7,340+446.5% | $11,429+251.0% |