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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 | $17,473 | $75,541-76.9% | $152,093-88.5% | $82,637-78.9% |
| Participation rate | 26.9% | 66.5%-39.6pp | 77.8%-50.8pp | 68.1%-41.1pp |
| Annual return | 12.73% | 32.56%-19.8pp | 66.36%-53.6pp | 53.51%-40.8pp |
| Employer contribution / active EE | $43 | $2,622-98.3% | $4,175-99.0% | $2,552-98.3% |
| Participant deferral / active EE | $1,537 | $3,206-52.1% | $5,451-71.8% | $4,126-62.8% |
| Admin fee / account holder | $1,924 | $6,405-70.0% | $14,497-86.7% | $7,339-73.8% |