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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 | $118,846 | $82,678+43.7% | $125,391-5.2% | $68,490+73.5% |
| Participation rate | 67.6% | 75.1%-7.4pp | 82.4%-14.7pp | 67.9%-0.2pp |
| Annual return | -18.64% | -5.97%-12.7pp | 572.41%-591.1pp | -7.85%-10.8pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,816-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,368 | $6,111-28.5% | $7,448-41.4% | $4,028+8.5% |
| Admin fee / account holder | $2,629 | $6,277-58.1% | $10,009-73.7% | $5,403-51.3% |