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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 | $109,142 | $91,911+18.7% | $68,612+59.1% | $135,379-19.4% |
| Participation rate | 45.5% | 76.7%-31.3pp | 72.2%-26.8pp | 82.6%-37.2pp |
| Annual return | -5.85% | -8.22%+2.4pp | -4.63%-1.2pp | 519.79%-525.6pp |
| Employer contribution / active EE | $0 | $3,924-100.0% | $2,625-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $2,170 | $4,315-49.7% | $3,311-34.5% | $5,609-61.3% |
| Admin fee / account holder | $504 | $9,240-94.5% | $5,131-90.2% | $10,828-95.3% |