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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 | $35,984 | $35,183+2.3% | $73,550-51.1% | $70,126-48.7% |
| Participation rate | 26.8% | 42.9%-16.2pp | 54.9%-28.2pp | 69.5%-42.8pp |
| Annual return | 15.30% | 26.90%-11.6pp | -15.16%+30.5pp | 73.15%-57.9pp |
| Employer contribution / active EE | $0 | $709-100.0% | $1,219-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $608 | $1,220-50.2% | $1,804-66.3% | $3,332-81.8% |
| Admin fee / account holder | $852 | $2,302-63.0% | $2,320-63.3% | $4,645-81.7% |