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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 | $188,444 | $131,835+42.9% | $108,582+73.5% | $273,972-31.2% |
| Participation rate | 39.1% | 83.5%-44.3pp | 79.6%-40.4pp | 83.0%-43.9pp |
| Annual return | 6.51% | -91.57%+98.1pp | -51.70%+58.2pp | 41.46%-34.9pp |
| Employer contribution / active EE | $0 | $4,913-100.0% | $3,758-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,848 | $5,127-44.5% | $4,311-33.9% | $5,287-46.1% |
| Admin fee / account holder | $778 | $10,253-92.4% | $7,645-89.8% | $10,133-92.3% |