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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 | $71,698 | $102,393-30.0% | $147,041-51.2% | $80,911-11.4% |
| Participation rate | 47.4% | 75.9%-28.5pp | 82.2%-34.8pp | 67.6%-20.3pp |
| Annual return | 13.85% | 134.95%-121.1pp | 419.21%-405.4pp | 35.63%-21.8pp |
| Employer contribution / active EE | $0 | $3,715-100.0% | $4,935-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $5,277 | $6,647-20.6% | $8,071-34.6% | $4,297+22.8% |
| Admin fee / account holder | $861 | $7,943-89.2% | $13,006-93.4% | $6,935-87.6% |