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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $12,972 | $27,936-53.6% | $58,561-77.8% | $75,173-82.7% |
| Participation rate | 52.0% | 38.8%+13.2pp | 50.9%+1.1pp | 67.2%-15.2pp |
| Annual return | 12.98% | 44.21%-31.2pp | 4251.33%-4238.3pp | 160.72%-147.7pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,053-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,216 | $1,202+1.2% | $1,923-36.8% | $4,126-70.5% |
| Admin fee / account holder | $410 | $1,727-76.2% | $2,520-83.7% | $5,651-92.7% |