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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $34,902 | $53,128-34.3% | $86,582-59.7% | $70,126-50.2% |
| Participation rate | 40.0% | 65.3%-25.3pp | 73.5%-33.5pp | 69.5%-29.5pp |
| Annual return | 11.81% | 27.66%-15.9pp | 965.08%-953.3pp | 73.15%-61.3pp |
| Employer contribution / active EE | $154 | $2,068-92.6% | $2,839-94.6% | $2,343-93.4% |
| Participant deferral / active EE | $903 | $2,695-66.5% | $3,609-75.0% | $3,332-72.9% |
| Admin fee / account holder | $2,118 | $3,584-40.9% | $4,904-56.8% | $4,645-54.4% |