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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 | $71,539 | $78,690-9.1% | $161,489-55.7% | $87,485-18.2% |
| Participation rate | 55.2% | 67.5%-12.3pp | 78.7%-23.5pp | 68.9%-13.8pp |
| Annual return | 14.14% | 32.74%-18.6pp | 89.72%-75.6pp | 26.06%-11.9pp |
| Employer contribution / active EE | $75 | $2,588-97.1% | $4,268-98.2% | $2,596-97.1% |
| Participant deferral / active EE | $3,589 | $3,311+8.4% | $5,630-36.2% | $4,274-16.0% |
| Admin fee / account holder | $7,234 | $6,724+7.6% | $16,006-54.8% | $7,775-7.0% |