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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 | $59,596 | $82,674-27.9% | $125,381-52.5% | $68,486-13.0% |
| Participation rate | 47.7% | 75.1%-27.3pp | 82.4%-34.7pp | 67.9%-20.2pp |
| Annual return | -13.38% | -5.97%-7.4pp | 572.31%-585.7pp | -7.85%-5.5pp |
| Employer contribution / active EE | $694 | $3,382-79.5% | $4,815-85.6% | $2,597-73.3% |
| Participant deferral / active EE | $4,448 | $6,111-27.2% | $7,448-40.3% | $4,028+10.4% |
| Admin fee / account holder | $20,637 | $6,277+228.8% | $10,007+106.2% | $5,404+281.9% |