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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $23,363 | $46,697-50.0% | $117,529-80.1% | $68,490-65.9% |
| Participation rate | 57.7% | 56.8%+0.9pp | 70.6%-12.9pp | 67.9%-10.2pp |
| Annual return | -20.77% | -14.52%-6.3pp | 29.77%-50.5pp | -7.85%-12.9pp |
| Employer contribution / active EE | $1,231 | $1,506-18.2% | $4,179-70.5% | $2,597-52.6% |
| Participant deferral / active EE | $3,486 | $2,637+32.2% | $4,072-14.4% | $4,028-13.5% |
| Admin fee / account holder | $377 | $4,023-90.6% | $5,645-93.3% | $5,403-93.0% |