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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 | $49,328 | $91,536-46.1% | $130,062-62.1% | $75,177-34.4% |
| Participation rate | 22.2% | 71.5%-49.2pp | 78.5%-56.3pp | 67.2%-45.0pp |
| Annual return | 13.55% | -631.62%+645.2pp | -137.37%+150.9pp | 160.75%-147.2pp |
| Employer contribution / active EE | $282 | $2,845-90.1% | $4,322-93.5% | $2,671-89.5% |
| Participant deferral / active EE | $2,208 | $4,343-49.2% | $5,821-62.1% | $4,126-46.5% |
| Admin fee / account holder | $9,798 | $6,780+44.5% | $10,601-7.6% | $5,651+73.4% |