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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 | $41,041 | $37,446+9.6% | $77,513-47.1% | $79,852-48.6% |
| Participation rate | 18.8% | 41.5%-22.8pp | 54.2%-35.4pp | 69.6%-50.9pp |
| Annual return | 14.61% | 39.76%-25.2pp | 54.81%-40.2pp | 31.72%-17.1pp |
| Employer contribution / active EE | $0 | $637-100.0% | $987-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $421 | $1,261-66.6% | $1,861-77.4% | $3,740-88.7% |
| Admin fee / account holder | $7,809 | $2,506+211.6% | $2,859+173.1% | $5,306+47.2% |