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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 | $22,185 | $37,446-40.8% | $77,552-71.4% | $79,856-72.2% |
| Participation rate | 39.7% | 41.5%-1.8pp | 54.2%-14.5pp | 69.6%-29.9pp |
| Annual return | 11.38% | 39.76%-28.4pp | 54.82%-43.4pp | 31.71%-20.3pp |
| Employer contribution / active EE | $94 | $637-85.3% | $987-90.5% | $2,471-96.2% |
| Participant deferral / active EE | $935 | $1,261-25.8% | $1,861-49.8% | $3,741-75.0% |
| Admin fee / account holder | $424 | $2,506-83.1% | $2,859-85.2% | $5,306-92.0% |