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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 | $35,164 | $77,817-54.8% | $123,553-71.5% | $64,173-45.2% |
| Participation rate | 40.8% | 74.7%-33.9pp | 82.3%-41.5pp | 69.6%-28.8pp |
| Annual return | -13.55% | 12.49%-26.0pp | 119.21%-132.8pp | 7.63%-21.2pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,520 | $5,240-13.7% | $6,426-29.7% | $3,470+30.3% |
| Admin fee / account holder | $1,154 | $5,519-79.1% | $9,284-87.6% | $4,887-76.4% |