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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 | $42,730 | $67,602-36.8% | $82,312-48.1% | $70,126-39.1% |
| Participation rate | 61.0% | 72.8%-11.8pp | 76.9%-15.9pp | 69.5%-8.6pp |
| Annual return | 16.21% | 21.57%-5.4pp | 25.88%-9.7pp | 73.15%-56.9pp |
| Employer contribution / active EE | $296 | $1,755-83.1% | $2,428-87.8% | $2,343-87.4% |
| Participant deferral / active EE | $1,452 | $2,987-51.4% | $3,706-60.8% | $3,332-56.4% |
| Admin fee / account holder | $1,710 | $4,512-62.1% | $5,608-69.5% | $4,645-63.2% |