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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $86,517 | $80,674+7.2% | $119,126-27.4% | $64,340+34.5% |
| Participation rate | 17.9% | 55.2%-37.4pp | 75.8%-57.9pp | 55.2%-37.4pp |
| Annual return | 17.80% | 26.86%-9.1pp | 282.11%-264.3pp | 24.14%-6.3pp |
| Employer contribution / active EE | $800 | $2,564-68.8% | $4,034-80.2% | $1,862-57.0% |
| Participant deferral / active EE | $1,271 | $3,053-58.4% | $5,318-76.1% | $2,980-57.3% |
| Admin fee / account holder | $3,559 | $4,559-21.9% | $10,693-66.7% | $3,703-3.9% |