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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 | $43,331 | $57,352-24.4% | $83,831-48.3% | $64,173-32.5% |
| Participation rate | 63.0% | 68.6%-5.6pp | 76.1%-13.1pp | 69.6%-6.5pp |
| Annual return | -5.47% | 11.38%-16.9pp | 850.99%-856.5pp | 7.63%-13.1pp |
| Employer contribution / active EE | $0 | $2,546-100.0% | $3,631-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,845 | $2,993-4.9% | $4,082-30.3% | $3,470-18.0% |
| Admin fee / account holder | $1,648 | $4,046-59.3% | $5,479-69.9% | $4,887-66.3% |