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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 | $60,102 | $80,332-25.2% | $107,187-43.9% | $64,097-6.2% |
| Participation rate | 38.6% | 54.4%-15.8pp | 75.0%-36.4pp | 55.2%-16.6pp |
| Annual return | 15.08% | 24.26%-9.2pp | 204.55%-189.5pp | 34.64%-19.6pp |
| Employer contribution / active EE | $146 | $2,501-94.2% | $3,782-96.1% | $1,891-92.3% |
| Participant deferral / active EE | $3,098 | $3,109-0.3% | $5,096-39.2% | $3,080+0.6% |
| Admin fee / account holder | $1,855 | $4,314-57.0% | $9,162-79.8% | $3,454-46.3% |