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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 | $117,609 | $82,674+42.3% | $125,381-6.2% | $68,486+71.7% |
| Participation rate | 45.5% | 75.1%-29.6pp | 82.4%-36.9pp | 67.9%-22.4pp |
| Annual return | -15.50% | -5.97%-9.5pp | 572.31%-587.8pp | -7.85%-7.7pp |
| Employer contribution / active EE | $10 | $3,382-99.7% | $4,815-99.8% | $2,597-99.6% |
| Participant deferral / active EE | $4,097 | $6,111-32.9% | $7,448-45.0% | $4,028+1.7% |
| Admin fee / account holder | $2,692 | $6,277-57.1% | $10,007-73.1% | $5,404-50.2% |