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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 | $32,544 | $91,537-64.4% | $130,045-75.0% | $75,173-56.7% |
| Participation rate | 44.1% | 71.5%-27.4pp | 78.5%-34.4pp | 67.2%-23.1pp |
| Annual return | 16.65% | -631.55%+648.2pp | -137.30%+154.0pp | 160.72%-144.1pp |
| Employer contribution / active EE | $347 | $2,845-87.8% | $4,321-92.0% | $2,671-87.0% |
| Participant deferral / active EE | $2,823 | $4,343-35.0% | $5,820-51.5% | $4,126-31.6% |
| Admin fee / account holder | $2,490 | $6,780-63.3% | $10,600-76.5% | $5,651-55.9% |