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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 | $45,478 | $102,422-55.6% | $147,117-69.1% | $80,959-43.8% |
| Participation rate | 44.4% | 75.9%-31.4pp | 82.2%-37.7pp | 67.7%-23.2pp |
| Annual return | 7.13% | 135.16%-128.0pp | 420.54%-413.4pp | 35.67%-28.5pp |
| Employer contribution / active EE | $960 | $3,717-74.2% | $4,932-80.5% | $2,757-65.2% |
| Participant deferral / active EE | $3,006 | $6,652-54.8% | $8,065-62.7% | $4,300-30.1% |
| Admin fee / account holder | $15,039 | $7,953+89.1% | $12,993+15.8% | $6,925+117.2% |