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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 | $136,877 | $162,812-15.9% | $133,971+2.2% | $158,966-13.9% |
| Participation rate | 63.6% | 83.2%-19.6pp | 79.8%-16.2pp | 82.0%-18.3pp |
| Annual return | -5.64% | 41.94%-47.6pp | 45.09%-50.7pp | 302.95%-308.6pp |
| Employer contribution / active EE | $550 | $4,976-88.9% | $3,919-86.0% | $4,762-88.4% |
| Participant deferral / active EE | $3,515 | $5,910-40.5% | $5,047-30.4% | $5,983-41.2% |
| Admin fee / account holder | $1,238 | $11,741-89.5% | $8,929-86.1% | $11,250-89.0% |