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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 | $49,634 | $41,377+20.0% | $109,313-54.6% | $62,881-21.1% |
| Participation rate | 35.7% | 57.5%-21.8pp | 71.3%-35.6pp | 69.3%-33.6pp |
| Annual return | 12.92% | 11.05%+1.9pp | 22.07%-9.2pp | 20.14%-7.2pp |
| Employer contribution / active EE | $124 | $1,276-90.3% | $3,892-96.8% | $2,281-94.6% |
| Participant deferral / active EE | $1,774 | $2,045-13.3% | $3,166-44.0% | $3,203-44.6% |
| Admin fee / account holder | $2,179 | $2,884-24.4% | $5,666-61.5% | $4,296-49.3% |