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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 | $42,646 | $151,490-71.8% | $76,030-43.9% | - |
| Participation rate | 60.6% | 67.5%-6.9pp | 69.1%-8.5pp | - |
| Annual return | 7.19% | 14.17%-7.0pp | 361.54%-354.3pp | - |
| Employer contribution / active EE | $896 | $2,542-64.7% | $2,688-66.7% | - |
| Participant deferral / active EE | $2,837 | $4,237-33.0% | $4,257-33.3% | - |
| Admin fee / account holder | $13,992 | $25,345-44.8% | $6,421+117.9% | - |