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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 | $71,186 | $87,132-18.3% | $105,624-32.6% | $80,959-12.1% |
| Participation rate | 41.8% | 70.4%-28.7pp | 75.3%-33.5pp | 67.7%-25.9pp |
| Annual return | 12.88% | 17.03%-4.2pp | 116.20%-103.3pp | 35.67%-22.8pp |
| Employer contribution / active EE | $191 | $2,397-92.0% | $3,168-94.0% | $2,757-93.1% |
| Participant deferral / active EE | $2,698 | $3,985-32.3% | $5,013-46.2% | $4,300-37.3% |
| Admin fee / account holder | $826 | $8,449-90.2% | $10,961-92.5% | $6,925-88.1% |