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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 | $70,181 | $88,596-20.8% | $70,098+0.1% | $134,509-47.8% |
| Participation rate | 45.5% | 74.9%-29.5pp | 70.5%-25.0pp | 81.2%-35.8pp |
| Annual return | -9.72% | 442.67%-452.4pp | 190.76%-200.5pp | 418.13%-427.9pp |
| Employer contribution / active EE | $0 | $3,235-100.0% | $2,560-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $5,421 | $4,772+13.6% | $3,849+40.8% | $6,400-15.3% |
| Admin fee / account holder | $1,187 | $10,441-88.6% | $6,266-81.1% | $11,427-89.6% |