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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 | $72,126 | $78,690-8.3% | $161,489-55.3% | $87,485-17.6% |
| Participation rate | 27.3% | 67.5%-40.2pp | 78.7%-51.4pp | 68.9%-41.7pp |
| Annual return | 13.22% | 32.74%-19.5pp | 89.72%-76.5pp | 26.06%-12.8pp |
| Employer contribution / active EE | $231 | $2,588-91.1% | $4,268-94.6% | $2,596-91.1% |
| Participant deferral / active EE | $1,030 | $3,311-68.9% | $5,630-81.7% | $4,274-75.9% |
| Admin fee / account holder | $960 | $6,724-85.7% | $16,006-94.0% | $7,775-87.7% |