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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 | $55,367 | $75,959-27.1% | $154,114-64.1% | $64,181-13.7% |
| Participation rate | 22.4% | 70.4%-48.0pp | 83.0%-60.6pp | 69.6%-47.2pp |
| Annual return | -6.86% | 30.32%-37.2pp | 735.16%-742.0pp | 7.63%-14.5pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,298-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,083 | $3,175-65.9% | $5,081-78.7% | $3,470-68.8% |
| Admin fee / account holder | $4,870 | $5,589-12.9% | $13,411-63.7% | $4,887-0.4% |