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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 | $7,851 | $27,243-71.2% | $52,425-85.0% | $79,634-90.1% |
| Participation rate | 12.2% | 22.4%-10.3pp | 55.6%-43.5pp | 62.5%-50.3pp |
| Annual return | 5.40% | 63.36%-58.0pp | 302.12%-296.7pp | 36.46%-31.1pp |
| Employer contribution / active EE | $0 | $319-100.0% | $914-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $314 | $636-50.6% | $1,790-82.5% | $3,835-91.8% |
| Admin fee / account holder | $807 | $2,105-61.7% | $2,495-67.7% | $1,002-19.5% |