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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 | $29,157 | $41,016-28.9% | $152,093-80.8% | $64,097-54.5% |
| Participation rate | 17.6% | 51.3%-33.7pp | 77.8%-60.2pp | 55.2%-37.6pp |
| Annual return | 15.90% | 39.60%-23.7pp | 66.36%-50.5pp | 34.64%-18.7pp |
| Employer contribution / active EE | $53 | $1,342-96.1% | $4,175-98.7% | $1,891-97.2% |
| Participant deferral / active EE | $989 | $1,927-48.7% | $5,451-81.9% | $3,080-67.9% |
| Admin fee / account holder | $1,350 | $2,305-41.5% | $14,497-90.7% | $3,454-60.9% |