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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 | $133,601 | $110,337+21.1% | $102,383+30.5% | $145,877-8.4% |
| Participation rate | 55.6% | 77.9%-22.4pp | 74.5%-19.0pp | 80.3%-24.7pp |
| Annual return | 7.58% | 24.83%-17.3pp | 24.94%-17.4pp | 551.28%-543.7pp |
| Employer contribution / active EE | $836 | $4,216-80.2% | $3,870-78.4% | $4,663-82.1% |
| Participant deferral / active EE | $1,713 | $5,621-69.5% | $5,060-66.1% | $6,691-74.4% |
| Admin fee / account holder | $22,737 | $9,750+133.2% | $8,391+171.0% | $13,402+69.6% |