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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 | $40,964 | $82,674-50.5% | $125,381-67.3% | $68,486-40.2% |
| Participation rate | 58.3% | 75.1%-16.7pp | 82.4%-24.0pp | 67.9%-9.6pp |
| Annual return | -7.18% | -5.97%-1.2pp | 572.31%-579.5pp | -7.85%+0.7pp |
| Employer contribution / active EE | $479 | $3,382-85.8% | $4,815-90.1% | $2,597-81.6% |
| Participant deferral / active EE | $4,954 | $6,111-18.9% | $7,448-33.5% | $4,028+23.0% |
| Admin fee / account holder | $803 | $6,277-87.2% | $10,007-92.0% | $5,404-85.1% |