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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $36,240 | $71,230-49.1% | $93,727-61.3% | $80,959-55.2% |
| Participation rate | 50.0% | 60.4%-10.4pp | 68.7%-18.7pp | 67.7%-17.7pp |
| Annual return | 9.71% | 11.26%-1.5pp | 133.83%-124.1pp | 35.67%-26.0pp |
| Employer contribution / active EE | $1,334 | $1,565-14.8% | $2,421-44.9% | $2,757-51.6% |
| Participant deferral / active EE | $2,155 | $4,037-46.6% | $4,417-51.2% | $4,300-49.9% |
| Admin fee / account holder | $4,738 | $6,961-31.9% | $8,292-42.9% | $6,925-31.6% |