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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 | $244,291 | $82,674+195.5% | $125,381+94.8% | $68,486+256.7% |
| Participation rate | 56.0% | 75.1%-19.1pp | 82.4%-26.4pp | 67.9%-11.9pp |
| Annual return | -13.28% | -5.97%-7.3pp | 572.31%-585.6pp | -7.85%-5.4pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $8,050 | $6,111+31.7% | $7,448+8.1% | $4,028+99.9% |
| Admin fee / account holder | $3,812 | $6,277-39.3% | $10,007-61.9% | $5,404-29.5% |