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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 | $37,146 | $78,423-52.6% | $95,964-61.3% | $79,856-53.5% |
| Participation rate | 38.0% | 73.5%-35.5pp | 77.1%-39.1pp | 69.6%-31.6pp |
| Annual return | 11.97% | 19.37%-7.4pp | 91.64%-79.7pp | 31.71%-19.7pp |
| Employer contribution / active EE | $129 | $1,945-93.4% | $2,541-94.9% | $2,471-94.8% |
| Participant deferral / active EE | $1,765 | $3,440-48.7% | $4,167-57.6% | $3,741-52.8% |
| Admin fee / account holder | $3,092 | $5,622-45.0% | $6,797-54.5% | $5,306-41.7% |