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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 | $68,601 | $46,745+46.8% | $60,547+13.3% | $52,331+31.1% |
| Participation rate | 58.8% | 58.6%+0.3pp | 68.0%-9.1pp | 68.1%-9.3pp |
| Annual return | -1.02% | 0.61%-1.6pp | 335.64%-336.7pp | 4.54%-5.6pp |
| Employer contribution / active EE | $181 | $1,259-85.7% | $2,419-92.5% | $1,882-90.4% |
| Participant deferral / active EE | $1,696 | $2,145-20.9% | $3,328-49.0% | $3,022-43.9% |
| Admin fee / account holder | $1,217 | $537+126.6% | $4,536-73.2% | $592+105.7% |