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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 | $56,345 | $57,352-1.8% | $83,831-32.8% | $64,173-12.2% |
| Participation rate | 44.2% | 68.6%-24.4pp | 76.1%-32.0pp | 69.6%-25.4pp |
| Annual return | -6.64% | 11.38%-18.0pp | 850.99%-857.6pp | 7.63%-14.3pp |
| Employer contribution / active EE | $319 | $2,546-87.5% | $3,631-91.2% | $2,381-86.6% |
| Participant deferral / active EE | $1,533 | $2,993-48.8% | $4,082-62.4% | $3,470-55.8% |
| Admin fee / account holder | $4,173 | $4,046+3.1% | $5,479-23.8% | $4,887-14.6% |