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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 | $23,805 | $48,267-50.7% | $68,808-65.4% | $68,486-65.2% |
| Participation rate | 28.3% | 60.7%-32.4pp | 69.0%-40.8pp | 67.9%-39.6pp |
| Annual return | 83.22% | -12.70%+95.9pp | -6.37%+89.6pp | -7.85%+91.1pp |
| Employer contribution / active EE | $13 | $1,829-99.3% | $2,656-99.5% | $2,597-99.5% |
| Participant deferral / active EE | $1,913 | $2,867-33.3% | $3,942-51.5% | $4,028-52.5% |
| Admin fee / account holder | $21,255 | $4,362+387.2% | $4,936+330.6% | $5,404+293.3% |