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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 | $81,812 | $68,996+18.6% | $159,991-48.9% | $68,495+19.4% |
| Participation rate | 12.1% | 65.4%-53.3pp | 78.0%-65.8pp | 67.9%-55.8pp |
| Annual return | -8.83% | -9.65%+0.8pp | 408.82%-417.6pp | -7.84%-1.0pp |
| Employer contribution / active EE | $245 | $2,212-88.9% | $4,225-94.2% | $2,596-90.6% |
| Participant deferral / active EE | $1,504 | $4,211-64.3% | $6,183-75.7% | $4,028-62.6% |
| Admin fee / account holder | $572 | $4,797-88.1% | $8,715-93.4% | $5,403-89.4% |