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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 | $18,202 | $51,226-64.5% | $82,744-78.0% | $66,938-72.8% |
| Participation rate | 30.3% | 67.9%-37.6pp | 72.6%-42.3pp | 69.8%-39.5pp |
| Annual return | -17.73% | -9.61%-8.1pp | 702.22%-720.0pp | 1.58%-19.3pp |
| Employer contribution / active EE | $0 | $2,612-100.0% | $3,008-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,503 | $3,460-56.5% | $4,395-65.8% | $4,238-64.5% |
| Admin fee / account holder | $967 | $416+132.8% | $5,325-81.8% | $594+63.0% |