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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 | $164,583 | $167,362-1.7% | $143,799+14.5% | $134,532+22.3% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -18.10% | 0.47%-18.6pp | -0.04%-18.1pp | 418.27%-436.4pp |
| Employer contribution / active EE | $1,108 | $5,620-80.3% | $4,952-77.6% | $4,741-76.6% |
| Participant deferral / active EE | $4,888 | $6,447-24.2% | $5,638-13.3% | $6,401-23.6% |
| Admin fee / account holder | $3,917 | $18,094-78.3% | $14,677-73.3% | $11,429-65.7% |