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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 | $29,346 | $41,016-28.5% | $152,093-80.7% | $64,097-54.2% |
| Participation rate | 31.8% | 51.3%-19.6pp | 77.8%-46.0pp | 55.2%-23.4pp |
| Annual return | 15.44% | 39.60%-24.2pp | 66.36%-50.9pp | 34.64%-19.2pp |
| Employer contribution / active EE | $182 | $1,342-86.4% | $4,175-95.6% | $1,891-90.4% |
| Participant deferral / active EE | $1,589 | $1,927-17.5% | $5,451-70.8% | $3,080-48.4% |
| Admin fee / account holder | $4,610 | $2,305+100.0% | $14,497-68.2% | $3,454+33.4% |