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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 | $25,596 | $82,674-69.0% | $125,381-79.6% | $68,486-62.6% |
| Participation rate | 55.0% | 75.1%-20.1pp | 82.4%-27.4pp | 67.9%-12.9pp |
| Annual return | -17.33% | -5.97%-11.4pp | 572.31%-589.6pp | -7.85%-9.5pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,362 | $6,111-45.0% | $7,448-54.9% | $4,028-16.5% |
| Admin fee / account holder | $928 | $6,277-85.2% | $10,007-90.7% | $5,404-82.8% |