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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 | $11,781 | $81,331-85.5% | $155,534-92.4% | $80,935-85.4% |
| Participation rate | 48.6% | 66.3%-17.7pp | 78.2%-29.6pp | 67.7%-19.1pp |
| Annual return | 9.00% | 33.37%-24.4pp | 64.92%-55.9pp | 35.66%-26.7pp |
| Employer contribution / active EE | $283 | $3,105-90.9% | $4,675-94.0% | $2,757-89.8% |
| Participant deferral / active EE | $950 | $3,454-72.5% | $5,630-83.1% | $4,299-77.9% |
| Admin fee / account holder | $981 | $7,999-87.7% | $15,900-93.8% | $6,924-85.8% |