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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 | $33,741 | $45,872-26.4% | $77,100-56.2% | $68,490-50.7% |
| Participation rate | 7.7% | 55.9%-48.2pp | 67.9%-60.2pp | 67.9%-60.2pp |
| Annual return | 75.67% | 1.73%+73.9pp | 42.35%+33.3pp | -7.85%+83.5pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $960 | $2,963-67.6% | $4,430-78.3% | $4,028-76.2% |
| Admin fee / account holder | $5,417 | $3,041+78.1% | $5,443-0.5% | $5,403+0.3% |