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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 | $43,827 | $94,529-53.6% | $140,019-68.7% | $64,181-31.7% |
| Participation rate | 65.2% | 84.1%-18.9pp | 87.5%-22.3pp | 69.6%-4.4pp |
| Annual return | -5.63% | 7.77%-13.4pp | 651.15%-656.8pp | 7.63%-13.3pp |
| Employer contribution / active EE | $628 | $3,812-83.5% | $5,605-88.8% | $2,381-73.6% |
| Participant deferral / active EE | $9,936 | $5,250+89.3% | $6,927+43.5% | $3,470+186.4% |
| Admin fee / account holder | $4,985 | $6,741-26.0% | $10,705-53.4% | $4,887+2.0% |