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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 | $46,265 | $105,284-56.1% | $150,734-69.3% | $94,015-50.8% |
| Participation rate | 34.6% | 71.7%-37.1pp | 78.4%-43.8pp | 70.8%-36.2pp |
| Annual return | 26.02% | 15.67%+10.3pp | 600.81%-574.8pp | 17.84%+8.2pp |
| Employer contribution / active EE | $566 | $3,599-84.3% | $4,918-88.5% | $2,790-79.7% |
| Participant deferral / active EE | $4,200 | $4,274-1.7% | $5,610-25.1% | $4,249-1.2% |
| Admin fee / account holder | $2,468 | $9,839-74.9% | $14,905-83.4% | $8,951-72.4% |