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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.)
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 | $54,073 | $67,602-20.0% | $82,312-34.3% | $70,126-22.9% |
| Participation rate | 55.6% | 72.8%-17.2pp | 76.9%-21.3pp | 69.5%-14.0pp |
| Annual return | 19.57% | 21.57%-2.0pp | 25.88%-6.3pp | 73.15%-53.6pp |
| Employer contribution / active EE | $161 | $1,755-90.8% | $2,428-93.4% | $2,343-93.1% |
| Participant deferral / active EE | $2,810 | $2,987-5.9% | $3,706-24.2% | $3,332-15.6% |
| Admin fee / account holder | $3,312 | $4,512-26.6% | $5,608-40.9% | $4,645-28.7% |