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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 | $52,491 | $59,116-11.2% | $86,438-39.3% | $68,486-23.4% |
| Participation rate | 51.9% | 75.2%-23.4pp | 80.3%-28.5pp | 67.9%-16.0pp |
| Annual return | -18.41% | -0.23%-18.2pp | 4397.19%-4415.6pp | -7.85%-10.6pp |
| Employer contribution / active EE | $238 | $2,519-90.6% | $3,769-93.7% | $2,597-90.8% |
| Participant deferral / active EE | $3,417 | $5,902-42.1% | $6,952-50.8% | $4,028-15.2% |
| Admin fee / account holder | $9,951 | $5,639+76.5% | $6,733+47.8% | $5,404+84.1% |