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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 | $68,107 | $81,504-16.4% | $102,437-33.5% | $80,959-15.9% |
| Participation rate | 60.9% | 66.9%-6.0pp | 74.5%-13.6pp | 67.7%-6.8pp |
| Annual return | 9.37% | 25.60%-16.2pp | 24.95%-15.6pp | 35.67%-26.3pp |
| Employer contribution / active EE | $192 | $3,104-93.8% | $3,871-95.0% | $2,757-93.0% |
| Participant deferral / active EE | $1,915 | $3,871-50.5% | $5,060-62.2% | $4,300-55.5% |
| Admin fee / account holder | $1,921 | $6,719-71.4% | $8,388-77.1% | $6,925-72.3% |