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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 | $97,682 | $77,638+25.8% | $156,551-37.6% | $62,881+55.3% |
| Participation rate | 12.1% | 71.2%-59.1pp | 84.0%-71.9pp | 69.3%-57.2pp |
| Annual return | -0.03% | 50.33%-50.4pp | 32.23%-32.3pp | 20.14%-20.2pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $5,501-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,083 | $3,046-64.4% | $4,871-77.8% | $3,203-66.2% |
| Admin fee / account holder | $3,532 | $5,561-36.5% | $13,028-72.9% | $4,296-17.8% |