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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 | $124,798 | $95,917+30.1% | $79,583+56.8% | $134,545-7.2% |
| Participation rate | 40.0% | 75.0%-35.0pp | 69.5%-29.5pp | 81.2%-41.2pp |
| Annual return | -18.05% | -2.70%-15.3pp | 0.16%-18.2pp | 418.37%-436.4pp |
| Employer contribution / active EE | $480 | $3,129-84.7% | $2,414-80.1% | $4,742-89.9% |
| Participant deferral / active EE | $5,200 | $4,694+10.8% | $3,986+30.5% | $6,401-18.8% |
| Admin fee / account holder | $1,108 | $9,132-87.9% | $6,835-83.8% | $11,431-90.3% |