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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 | $38,176 | $78,425-51.3% | $95,956-60.2% | $79,858-52.2% |
| Participation rate | 53.3% | 73.5%-20.2pp | 77.1%-23.7pp | 69.6%-16.3pp |
| Annual return | 14.92% | 19.37%-4.5pp | 91.63%-76.7pp | 31.72%-16.8pp |
| Employer contribution / active EE | $60 | $1,945-96.9% | $2,541-97.6% | $2,471-97.6% |
| Participant deferral / active EE | $2,979 | $3,440-13.4% | $4,167-28.5% | $3,740-20.3% |
| Admin fee / account holder | $1,059 | $5,622-81.2% | $6,797-84.4% | $5,306-80.1% |