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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 | $20,138 | $77,814-74.1% | $158,223-87.3% | $86,983-76.8% |
| Participation rate | 17.6% | 68.4%-50.8pp | 79.2%-61.6pp | 69.5%-51.9pp |
| Annual return | 4.22% | 30.54%-26.3pp | 52.09%-47.9pp | 25.83%-21.6pp |
| Employer contribution / active EE | $0 | $2,592-100.0% | $4,109-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,648 | $3,270-49.6% | $5,467-69.9% | $4,194-60.7% |
| Admin fee / account holder | $3,044 | $5,879-48.2% | $16,047-81.0% | $7,856-61.2% |