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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 | $56,865 | $75,962-25.1% | $154,111-63.1% | $64,173-11.4% |
| Participation rate | 23.5% | 70.4%-46.9pp | 83.0%-59.5pp | 69.6%-46.0pp |
| Annual return | -5.32% | 30.32%-35.6pp | 735.18%-740.5pp | 7.63%-13.0pp |
| Employer contribution / active EE | $243 | $3,350-92.8% | $5,298-95.4% | $2,381-89.8% |
| Participant deferral / active EE | $1,086 | $3,175-65.8% | $5,081-78.6% | $3,470-68.7% |
| Admin fee / account holder | $8,228 | $5,589+47.2% | $13,411-38.7% | $4,887+68.3% |