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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 | $78,837 | $57,352+37.5% | $83,830-6.0% | $64,173+22.9% |
| Participation rate | 42.9% | 68.6%-25.7pp | 76.1%-33.3pp | 69.6%-26.7pp |
| Annual return | -5.65% | 11.38%-17.0pp | 850.97%-856.6pp | 7.63%-13.3pp |
| Employer contribution / active EE | $196 | $2,546-92.3% | $3,631-94.6% | $2,381-91.8% |
| Participant deferral / active EE | $1,555 | $2,993-48.1% | $4,082-61.9% | $3,470-55.2% |
| Admin fee / account holder | $3,248 | $4,046-19.7% | $5,479-40.7% | $4,887-33.5% |