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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 | $82,041 | $94,529-13.2% | $140,019-41.4% | $64,173+27.8% |
| Participation rate | 58.6% | 84.1%-25.5pp | 87.5%-28.9pp | 69.6%-10.9pp |
| Annual return | -5.48% | 7.77%-13.3pp | 651.15%-656.6pp | 7.63%-13.1pp |
| Employer contribution / active EE | $0 | $3,812-100.0% | $5,605-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,770 | $5,250-9.1% | $6,927-31.1% | $3,470+37.5% |
| Admin fee / account holder | $855 | $6,741-87.3% | $10,705-92.0% | $4,887-82.5% |