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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 | $67,369 | $95,404-29.4% | $113,397-40.6% | $82,637-18.5% |
| Participation rate | 49.0% | 72.8%-23.8pp | 76.5%-27.5pp | 68.1%-19.1pp |
| Annual return | 18.14% | 19.08%-0.9pp | 23.20%-5.1pp | 53.51%-35.4pp |
| Employer contribution / active EE | $683 | $2,307-70.4% | $2,977-77.1% | $2,552-73.3% |
| Participant deferral / active EE | $2,171 | $4,220-48.6% | $5,076-57.2% | $4,126-47.4% |
| Admin fee / account holder | $691 | $9,168-92.5% | $11,957-94.2% | $7,339-90.6% |