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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 | $52,732 | $86,940-39.3% | $102,434-48.5% | $80,935-34.8% |
| Participation rate | 60.3% | 72.4%-12.1pp | 76.5%-16.3pp | 67.7%-7.4pp |
| Annual return | 9.91% | 18.89%-9.0pp | 29.46%-19.5pp | 35.66%-25.7pp |
| Employer contribution / active EE | $671 | $2,370-71.7% | $3,023-77.8% | $2,757-75.6% |
| Participant deferral / active EE | $2,301 | $4,121-44.2% | $5,055-54.5% | $4,299-46.5% |
| Admin fee / account holder | $7,509 | $8,047-6.7% | $9,462-20.6% | $6,924+8.4% |