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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 | $47,988 | $54,541-12.0% | $78,778-39.1% | $70,126-31.6% |
| Participation rate | 42.3% | 60.8%-18.5pp | 69.2%-26.9pp | 69.5%-27.2pp |
| Annual return | 23.79% | 21.07%+2.7pp | 35.62%-11.8pp | 73.15%-49.4pp |
| Employer contribution / active EE | $194 | $1,089-82.2% | $1,986-90.2% | $2,343-91.7% |
| Participant deferral / active EE | $1,414 | $2,210-36.0% | $2,958-52.2% | $3,332-57.6% |
| Admin fee / account holder | $2,175 | $3,709-41.3% | $5,134-57.6% | $4,645-53.2% |