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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 | $30,054 | $49,177-38.9% | $79,476-62.2% | $64,181-53.2% |
| Participation rate | 21.3% | 65.0%-43.8pp | 73.3%-52.1pp | 69.6%-48.3pp |
| Annual return | -5.00% | -1.16%-3.8pp | 718.21%-723.2pp | 7.63%-12.6pp |
| Employer contribution / active EE | $0 | $2,076-100.0% | $2,800-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,771 | $2,821+33.7% | $3,704+1.8% | $3,470+8.7% |
| Admin fee / account holder | $3,664 | $3,839-4.6% | $5,113-28.4% | $4,887-25.0% |