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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 | $32,299 | $57,352-43.7% | $83,830-61.5% | $64,173-49.7% |
| Participation rate | 51.6% | 68.6%-17.0pp | 76.1%-24.5pp | 69.6%-18.0pp |
| Annual return | -6.25% | 11.38%-17.6pp | 850.97%-857.2pp | 7.63%-13.9pp |
| Employer contribution / active EE | $358 | $2,546-85.9% | $3,631-90.1% | $2,381-85.0% |
| Participant deferral / active EE | $2,645 | $2,993-11.6% | $4,082-35.2% | $3,470-23.8% |
| Admin fee / account holder | $957 | $4,046-76.4% | $5,479-82.5% | $4,887-80.4% |