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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 | $90,184 | $67,411+33.8% | $91,004-0.9% | $70,126+28.6% |
| Participation rate | 67.6% | 71.4%-3.8pp | 75.6%-8.0pp | 69.5%-2.0pp |
| Annual return | 17.13% | -40.16%+57.3pp | 4.60%+12.5pp | 73.15%-56.0pp |
| Employer contribution / active EE | $170 | $1,786-90.5% | $2,456-93.1% | $2,343-92.7% |
| Participant deferral / active EE | $2,454 | $2,823-13.0% | $3,548-30.8% | $3,332-26.3% |
| Admin fee / account holder | $10,072 | $4,236+137.8% | $5,417+85.9% | $4,645+116.8% |