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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 | $46,971 | $75,962-38.2% | $154,108-69.5% | $64,173-26.8% |
| Participation rate | 23.7% | 70.4%-46.7pp | 83.0%-59.3pp | 69.6%-45.8pp |
| Annual return | -5.37% | 30.32%-35.7pp | 735.21%-740.6pp | 7.63%-13.0pp |
| Employer contribution / active EE | $175 | $3,350-94.8% | $5,298-96.7% | $2,381-92.7% |
| Participant deferral / active EE | $902 | $3,175-71.6% | $5,081-82.3% | $3,470-74.0% |
| Admin fee / account holder | $13,931 | $5,589+149.3% | $13,411+3.9% | $4,887+185.0% |