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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 | $40,683 | $29,733+36.8% | $56,025-27.4% | $80,959-49.7% |
| Participation rate | 66.0% | 41.7%+24.2pp | 52.5%+13.4pp | 67.7%-1.7pp |
| Annual return | 9.32% | 35.28%-26.0pp | 1712.69%-1703.4pp | 35.67%-26.3pp |
| Employer contribution / active EE | $29 | $672-95.6% | $1,042-97.2% | $2,757-98.9% |
| Participant deferral / active EE | $2,135 | $1,229+73.7% | $1,955+9.2% | $4,300-50.4% |
| Admin fee / account holder | $9,456 | $2,434+288.6% | $2,828+234.3% | $6,925+36.5% |