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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 | $48,739 | $39,798+22.5% | $67,704-28.0% | $59,633-18.3% |
| Participation rate | 24.4% | 57.4%-33.0pp | 67.5%-43.1pp | 68.7%-44.3pp |
| Annual return | -2.37% | 89.94%-92.3pp | 25.41%-27.8pp | 2041.45%-2043.8pp |
| Employer contribution / active EE | $51 | $1,393-96.4% | $2,559-98.0% | $2,203-97.7% |
| Participant deferral / active EE | $1,412 | $2,335-39.5% | $3,585-60.6% | $3,192-55.8% |
| Admin fee / account holder | $320 | $3,212-90.0% | $4,255-92.5% | $4,297-92.5% |