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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 | $33,412 | $46,877-28.7% | $122,354-72.7% | $70,126-52.4% |
| Participation rate | 21.4% | 58.2%-36.8pp | 71.6%-50.2pp | 69.5%-48.1pp |
| Annual return | 18.41% | 24.22%-5.8pp | 30.28%-11.9pp | 73.15%-54.7pp |
| Employer contribution / active EE | $64 | $1,288-95.0% | $4,051-98.4% | $2,343-97.3% |
| Participant deferral / active EE | $1,437 | $2,167-33.7% | $3,287-56.3% | $3,332-56.9% |
| Admin fee / account holder | $1,258 | $3,324-62.1% | $5,479-77.0% | $4,645-72.9% |