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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 | $54,817 | $133,981-59.1% | $112,249-51.2% | $134,532-59.3% |
| Participation rate | 42.9% | 78.6%-35.7pp | 75.1%-32.2pp | 81.2%-38.4pp |
| Annual return | -13.56% | 47.16%-60.7pp | 27.48%-41.0pp | 418.27%-431.8pp |
| Employer contribution / active EE | $378 | $4,040-90.6% | $3,636-89.6% | $4,741-92.0% |
| Participant deferral / active EE | $5,306 | $5,292+0.3% | $4,729+12.2% | $6,401-17.1% |
| Admin fee / account holder | $733 | $7,492-90.2% | $6,412-88.6% | $11,429-93.6% |