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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 | $54,650 | $65,027-16.0% | $90,970-39.9% | $79,852-31.6% |
| Participation rate | 47.0% | 61.6%-14.6pp | 69.0%-22.0pp | 69.6%-22.7pp |
| Annual return | 13.12% | 30.45%-17.3pp | 134.58%-121.5pp | 31.72%-18.6pp |
| Employer contribution / active EE | $211 | $1,247-83.1% | $2,122-90.1% | $2,471-91.5% |
| Participant deferral / active EE | $2,110 | $2,512-16.0% | $3,373-37.5% | $3,740-43.6% |
| Admin fee / account holder | $2,774 | $4,535-38.8% | $5,960-53.5% | $5,306-47.7% |