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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 | $54,382 | $72,492-25.0% | $87,104-37.6% | $72,975-25.5% |
| Participation rate | 57.6% | 72.8%-15.2pp | 76.9%-19.3pp | 69.5%-11.9pp |
| Annual return | 22.26% | 24.46%-2.2pp | 28.19%-5.9pp | 81.01%-58.8pp |
| Employer contribution / active EE | $354 | $1,894-81.3% | $2,521-85.9% | $2,440-85.5% |
| Participant deferral / active EE | $3,544 | $3,270+8.4% | $4,048-12.5% | $3,608-1.8% |
| Admin fee / account holder | $470 | $5,055-90.7% | $7,491-93.7% | $5,124-90.8% |