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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 | $47,350 | $39,798+19.0% | $67,704-30.1% | $59,633-20.6% |
| Participation rate | 66.0% | 57.4%+8.7pp | 67.5%-1.5pp | 68.7%-2.6pp |
| Annual return | -0.60% | 89.94%-90.5pp | 25.41%-26.0pp | 2041.45%-2042.1pp |
| Employer contribution / active EE | $0 | $1,393-100.0% | $2,559-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,157 | $2,335-7.6% | $3,585-39.8% | $3,192-32.4% |
| Admin fee / account holder | $1,727 | $3,212-46.2% | $4,255-59.4% | $4,297-59.8% |