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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 | $21,164 | $74,535-71.6% | $100,712-79.0% | $82,637-74.4% |
| Participation rate | 61.5% | 61.2%+0.4pp | 69.3%-7.7pp | 68.1%-6.5pp |
| Annual return | 2.23% | 18.92%-16.7pp | 33.27%-31.0pp | 53.51%-51.3pp |
| Employer contribution / active EE | $1,356 | $1,503-9.7% | $2,313-41.4% | $2,552-46.9% |
| Participant deferral / active EE | $4,103 | $3,074+33.5% | $4,085+0.4% | $4,126-0.6% |
| Admin fee / account holder | $4,843 | $6,576-26.3% | $9,256-47.7% | $7,339-34.0% |