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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 | $49,251 | $93,345-47.2% | $119,126-58.7% | $87,485-43.7% |
| Participation rate | 38.2% | 68.7%-30.6pp | 75.8%-37.6pp | 68.9%-30.7pp |
| Annual return | 28.81% | 19.08%+9.7pp | 282.11%-253.3pp | 26.06%+2.8pp |
| Employer contribution / active EE | $460 | $3,172-85.5% | $4,034-88.6% | $2,596-82.3% |
| Participant deferral / active EE | $2,557 | $4,099-37.6% | $5,318-51.9% | $4,274-40.2% |
| Admin fee / account holder | $3,939 | $8,039-51.0% | $10,693-63.2% | $7,775-49.3% |