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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 | $31,097 | $57,352-45.8% | $83,831-62.9% | $64,173-51.5% |
| Participation rate | 59.7% | 68.6%-8.9pp | 76.1%-16.4pp | 69.6%-9.8pp |
| Annual return | -4.09% | 11.38%-15.5pp | 850.99%-855.1pp | 7.63%-11.7pp |
| Employer contribution / active EE | $376 | $2,546-85.2% | $3,631-89.6% | $2,381-84.2% |
| Participant deferral / active EE | $1,826 | $2,993-39.0% | $4,082-55.3% | $3,470-47.4% |
| Admin fee / account holder | $3,138 | $4,046-22.5% | $5,479-42.7% | $4,887-35.8% |