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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 | $49,610 | $82,678-40.0% | $125,391-60.4% | $68,490-27.6% |
| Participation rate | 61.3% | 75.1%-13.8pp | 82.4%-21.1pp | 67.9%-6.6pp |
| Annual return | -16.85% | -5.97%-10.9pp | 572.41%-589.3pp | -7.85%-9.0pp |
| Employer contribution / active EE | $668 | $3,382-80.2% | $4,816-86.1% | $2,597-74.3% |
| Participant deferral / active EE | $3,990 | $6,111-34.7% | $7,448-46.4% | $4,028-0.9% |
| Admin fee / account holder | $2,250 | $6,277-64.2% | $10,009-77.5% | $5,403-58.4% |