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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 | $55,658 | $49,177+13.2% | $79,467-30.0% | $64,173-13.3% |
| Participation rate | 11.8% | 65.0%-53.3pp | 73.3%-61.6pp | 69.6%-57.8pp |
| Annual return | -9.93% | -1.16%-8.8pp | 718.30%-728.2pp | 7.63%-17.6pp |
| Employer contribution / active EE | $0 | $2,076-100.0% | $2,800-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,033 | $2,821-63.4% | $3,704-72.1% | $3,470-70.2% |
| Admin fee / account holder | $9,105 | $3,839+137.2% | $5,104+78.4% | $4,887+86.3% |