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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 | $24,128 | $106,524-77.3% | $152,301-84.2% | $87,485-72.4% |
| Participation rate | 68.4% | 75.8%-7.3pp | 82.4%-14.0pp | 68.9%-0.5pp |
| Annual return | 15.36% | 26.89%-11.5pp | 80.50%-65.1pp | 26.06%-10.7pp |
| Employer contribution / active EE | $457 | $3,371-86.4% | $4,624-90.1% | $2,596-82.4% |
| Participant deferral / active EE | $3,148 | $6,525-51.8% | $8,004-60.7% | $4,274-26.3% |
| Admin fee / account holder | $1,012 | $8,287-87.8% | $14,398-93.0% | $7,775-87.0% |