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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 | $49,708 | $96,136-48.3% | $135,987-63.4% | $80,925-38.6% |
| Participation rate | 26.4% | 71.2%-44.8pp | 76.4%-50.0pp | 67.7%-41.3pp |
| Annual return | 9.36% | 28.70%-19.3pp | 580.01%-570.6pp | 35.65%-26.3pp |
| Employer contribution / active EE | $114 | $3,350-96.6% | $4,214-97.3% | $2,756-95.8% |
| Participant deferral / active EE | $2,525 | $5,706-55.7% | $7,027-64.1% | $4,299-41.3% |
| Admin fee / account holder | $5,345 | $8,236-35.1% | $6,716-20.4% | $6,940-23.0% |