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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 | $43,056 | $81,504-47.2% | $102,437-58.0% | $80,959-46.8% |
| Participation rate | 43.9% | 66.9%-22.9pp | 74.5%-30.6pp | 67.7%-23.7pp |
| Annual return | 13.86% | 25.60%-11.7pp | 24.95%-11.1pp | 35.67%-21.8pp |
| Employer contribution / active EE | $525 | $3,104-83.1% | $3,871-86.4% | $2,757-80.9% |
| Participant deferral / active EE | $2,794 | $3,871-27.8% | $5,060-44.8% | $4,300-35.0% |
| Admin fee / account holder | $6,881 | $6,719+2.4% | $8,388-18.0% | $6,925-0.6% |