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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 | $17,199 | $32,117-46.4% | $71,089-75.8% | $64,173-73.2% |
| Participation rate | 52.8% | 42.7%+10.1pp | 54.6%-1.9pp | 69.6%-16.8pp |
| Annual return | -7.48% | -5.57%-1.9pp | 650.65%-658.1pp | 7.63%-15.1pp |
| Employer contribution / active EE | $0 | $712-100.0% | $1,088-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $961 | $1,263-23.9% | $1,873-48.7% | $3,470-72.3% |
| Admin fee / account holder | $1,732 | $2,759-37.2% | $3,082-43.8% | $4,887-64.6% |