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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 | $43,906 | $69,977-37.3% | $108,582-59.6% | $62,881-30.2% |
| Participation rate | 44.9% | 72.9%-28.0pp | 79.6%-34.6pp | 69.3%-24.4pp |
| Annual return | 7.52% | 10.73%-3.2pp | -51.70%+59.2pp | 20.14%-12.6pp |
| Employer contribution / active EE | $232 | $2,135-89.2% | $3,758-93.8% | $2,281-89.8% |
| Participant deferral / active EE | $2,387 | $3,165-24.6% | $4,311-44.6% | $3,203-25.5% |
| Admin fee / account holder | $5,736 | $5,076+13.0% | $7,645-25.0% | $4,296+33.5% |