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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 | $44,745 | $91,179-50.9% | $178,499-74.9% | $79,852-44.0% |
| Participation rate | 28.9% | 69.2%-40.3pp | 81.9%-53.0pp | 69.6%-40.7pp |
| Annual return | 13.40% | 24.19%-10.8pp | 151.10%-137.7pp | 31.72%-18.3pp |
| Employer contribution / active EE | $198 | $3,256-93.9% | $5,011-96.0% | $2,471-92.0% |
| Participant deferral / active EE | $1,597 | $3,236-50.6% | $5,202-69.3% | $3,740-57.3% |
| Admin fee / account holder | $7,315 | $6,749+8.4% | $13,986-47.7% | $5,306+37.9% |