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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 | $33,488 | $54,357-38.4% | $82,706-59.5% | $68,495-51.1% |
| Participation rate | 28.7% | 63.9%-35.2pp | 72.6%-43.8pp | 67.9%-39.1pp |
| Annual return | -12.70% | -13.67%+1.0pp | 701.76%-714.5pp | -7.84%-4.9pp |
| Employer contribution / active EE | $0 | $2,218-100.0% | $3,007-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $915 | $3,246-71.8% | $4,394-79.2% | $4,028-77.3% |
| Admin fee / account holder | $2,810 | $4,396-36.1% | $5,329-47.3% | $5,403-48.0% |