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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 | $99,251 | $81,504+21.8% | $102,437-3.1% | $80,959+22.6% |
| Participation rate | 42.9% | 66.9%-24.0pp | 74.5%-31.7pp | 67.7%-24.8pp |
| Annual return | 10.22% | 25.60%-15.4pp | 24.95%-14.7pp | 35.67%-25.5pp |
| Employer contribution / active EE | $214 | $3,104-93.1% | $3,871-94.5% | $2,757-92.2% |
| Participant deferral / active EE | $2,714 | $3,871-29.9% | $5,060-46.4% | $4,300-36.9% |
| Admin fee / account holder | $37,221 | $6,719+453.9% | $8,388+343.7% | $6,925+437.5% |