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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 | $75,448 | $97,648-22.7% | $121,663-38.0% | $87,485-13.8% |
| Participation rate | 47.7% | 70.5%-22.8pp | 74.5%-26.8pp | 68.9%-21.2pp |
| Annual return | 16.70% | 18.03%-1.3pp | 147.54%-130.8pp | 26.06%-9.4pp |
| Employer contribution / active EE | $592 | $2,300-74.2% | $3,020-80.4% | $2,596-77.2% |
| Participant deferral / active EE | $2,039 | $3,923-48.0% | $4,887-58.3% | $4,274-52.3% |
| Admin fee / account holder | $2,717 | $11,100-75.5% | $14,289-81.0% | $7,775-65.1% |