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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 | $80,838 | $58,493+38.2% | $84,021-3.8% | $72,975+10.8% |
| Participation rate | 32.6% | 61.2%-28.7pp | 69.0%-36.5pp | 69.5%-36.9pp |
| Annual return | 15.69% | 28.93%-13.2pp | 71.32%-55.6pp | 81.01%-65.3pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,182 | $2,394-8.9% | $3,239-32.6% | $3,608-39.5% |
| Admin fee / account holder | $3,672 | $4,569-19.6% | $6,102-39.8% | $5,124-28.3% |