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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 | $53,885 | $101,752-47.0% | $164,928-67.3% | $80,911-33.4% |
| Participation rate | 43.9% | 71.8%-27.9pp | 78.6%-34.7pp | 67.6%-23.7pp |
| Annual return | 12.28% | 16.73%-4.4pp | 70.08%-57.8pp | 35.63%-23.3pp |
| Employer contribution / active EE | $443 | $2,953-85.0% | $4,343-89.8% | $2,756-83.9% |
| Participant deferral / active EE | $2,456 | $4,477-45.1% | $6,034-59.3% | $4,297-42.8% |
| Admin fee / account holder | $4,163 | $8,218-49.3% | $12,684-67.2% | $6,935-40.0% |