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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 | $58,037 | $49,177+18.0% | $79,467-27.0% | $64,173-9.6% |
| Participation rate | 44.9% | 65.0%-20.1pp | 73.3%-28.4pp | 69.6%-24.6pp |
| Annual return | -7.05% | -1.16%-5.9pp | 718.30%-725.3pp | 7.63%-14.7pp |
| Employer contribution / active EE | $0 | $2,076-100.0% | $2,800-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,664 | $2,821-5.6% | $3,704-28.1% | $3,470-23.2% |
| Admin fee / account holder | $2,418 | $3,839-37.0% | $5,104-52.6% | $4,887-50.5% |