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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 | $45,797 | $180,462-74.6% | $154,111-70.3% | $135,379-66.2% |
| Participation rate | 60.9% | 87.4%-26.6pp | 83.0%-22.2pp | 82.6%-21.8pp |
| Annual return | -6.55% | 888.17%-894.7pp | 735.18%-741.7pp | 519.79%-526.3pp |
| Employer contribution / active EE | $1,242 | $6,036-79.4% | $5,298-76.6% | $4,779-74.0% |
| Participant deferral / active EE | $3,331 | $5,806-42.6% | $5,081-34.4% | $5,609-40.6% |
| Admin fee / account holder | $1,816 | $16,145-88.8% | $13,411-86.5% | $10,828-83.2% |