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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 | $45,226 | $52,519-13.9% | $155,789-71.0% | $59,633-24.2% |
| Participation rate | 29.3% | 61.7%-32.4pp | 76.1%-46.8pp | 68.7%-39.4pp |
| Annual return | -2.36% | 53.51%-55.9pp | 71.54%-73.9pp | 2041.40%-2043.8pp |
| Employer contribution / active EE | $174 | $1,589-89.0% | $3,839-95.5% | $2,203-92.1% |
| Participant deferral / active EE | $2,448 | $3,084-20.6% | $4,798-49.0% | $3,192-23.3% |
| Admin fee / account holder | $21,265 | $3,540+500.7% | $7,477+184.4% | $4,297+394.9% |