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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 | $8,732 | $31,679-72.4% | $74,723-88.3% | $65,186-86.6% |
| Participation rate | 48.0% | 40.4%+7.7pp | 54.5%-6.4pp | 70.2%-22.2pp |
| Annual return | 24.90% | 39.04%-14.1pp | 753.18%-728.3pp | 29.39%-4.5pp |
| Employer contribution / active EE | $3 | $566-99.4% | $1,084-99.7% | $2,177-99.9% |
| Participant deferral / active EE | $643 | $1,191-46.0% | $1,962-67.2% | $3,514-81.7% |
| Admin fee / account holder | $1,721 | $379+354.2% | $3,335-48.4% | $847+103.1% |