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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 | $64,448 | $86,050-25.1% | $189,758-66.0% | $94,015-31.4% |
| Participation rate | 61.1% | 68.9%-7.8pp | 79.8%-18.7pp | 70.8%-9.7pp |
| Annual return | 13.23% | 17.77%-4.5pp | 52.62%-39.4pp | 17.84%-4.6pp |
| Employer contribution / active EE | $56 | $2,819-98.0% | $4,767-98.8% | $2,790-98.0% |
| Participant deferral / active EE | $3,131 | $3,349-6.5% | $5,856-46.5% | $4,249-26.3% |
| Admin fee / account holder | $1,379 | $6,627-79.2% | $20,388-93.2% | $8,951-84.6% |