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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 | $65,232 | $73,638-11.4% | $95,964-32.0% | $73,497-11.2% |
| Participation rate | 51.3% | 76.2%-24.8pp | 77.1%-25.8pp | 70.7%-19.4pp |
| Annual return | 13.84% | 16.78%-2.9pp | 91.64%-77.8pp | 28.51%-14.7pp |
| Employer contribution / active EE | $447 | $1,863-76.0% | $2,541-82.4% | $2,270-80.3% |
| Participant deferral / active EE | $2,340 | $3,617-35.3% | $4,167-43.8% | $3,740-37.4% |
| Admin fee / account holder | $3,552 | $482+636.9% | $6,797-47.7% | $513+592.4% |