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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 | $85,184 | $82,674+3.0% | $125,363-32.1% | $68,495+24.4% |
| Participation rate | 59.5% | 75.0%-15.6pp | 82.4%-22.9pp | 67.9%-8.4pp |
| Annual return | -17.07% | -5.97%-11.1pp | 572.15%-589.2pp | -7.84%-9.2pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,821 | $6,111-21.1% | $7,447-35.3% | $4,028+19.7% |
| Admin fee / account holder | $10,398 | $6,276+65.7% | $10,005+3.9% | $5,403+92.4% |