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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 | $70,873 | $99,345-28.7% | $84,753-16.4% | $273,972-74.1% |
| Participation rate | 43.5% | 80.7%-37.2pp | 76.6%-33.1pp | 83.0%-39.5pp |
| Annual return | 8.48% | 22.93%-14.4pp | 22.78%-14.3pp | 41.46%-33.0pp |
| Employer contribution / active EE | $126 | $4,214-97.0% | $3,574-96.5% | $4,869-97.4% |
| Participant deferral / active EE | $1,401 | $4,270-67.2% | $3,712-62.3% | $5,287-73.5% |
| Admin fee / account holder | $616 | $6,645-90.7% | $5,333-88.4% | $10,133-93.9% |