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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 | $27,712 | $71,197-61.1% | $93,669-70.4% | $80,925-65.8% |
| Participation rate | 43.9% | 60.4%-16.5pp | 68.7%-24.8pp | 67.7%-23.8pp |
| Annual return | 8.45% | 11.27%-2.8pp | 133.59%-125.1pp | 35.65%-27.2pp |
| Employer contribution / active EE | $51 | $1,565-96.7% | $2,424-97.9% | $2,756-98.1% |
| Participant deferral / active EE | $1,239 | $4,036-69.3% | $4,416-71.9% | $4,299-71.2% |
| Admin fee / account holder | $1,459 | $6,959-79.0% | $8,291-82.4% | $6,940-79.0% |