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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 | $23,599 | $31,388-24.8% | $73,550-67.9% | $62,293-62.1% |
| Participation rate | 61.8% | 39.9%+21.9pp | 54.9%+6.8pp | 69.5%-7.8pp |
| Annual return | 15.01% | 25.34%-10.3pp | -15.16%+30.2pp | 28.90%-13.9pp |
| Employer contribution / active EE | $0 | $498-100.0% | $1,219-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $993 | $1,028-3.4% | $1,804-45.0% | $3,169-68.7% |
| Admin fee / account holder | $479 | $299+60.1% | $2,320-79.3% | $4790% |