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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 | $35,193 | $55,453-36.5% | $170,435-79.4% | $62,293-43.5% |
| Participation rate | 39.2% | 66.4%-27.2pp | 83.6%-44.4pp | 69.5%-30.3pp |
| Annual return | 13.25% | 21.38%-8.1pp | 205.94%-192.7pp | 28.90%-15.6pp |
| Employer contribution / active EE | $166 | $2,164-92.3% | $5,432-97.0% | $2,042-91.9% |
| Participant deferral / active EE | $1,689 | $2,303-26.6% | $4,939-65.8% | $3,169-46.7% |
| Admin fee / account holder | $1,973 | $455+333.6% | $13,881-85.8% | $479+311.6% |