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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $45,453 | $78,015-41.7% | $178,505-74.5% | $80,959-43.9% |
| Participation rate | 35.3% | 65.7%-30.4pp | 77.1%-41.8pp | 67.7%-32.4pp |
| Annual return | 13.21% | 18.10%-4.9pp | 27.16%-13.9pp | 35.67%-22.5pp |
| Employer contribution / active EE | $671 | $2,281-70.6% | $3,955-83.0% | $2,757-75.7% |
| Participant deferral / active EE | $932 | $4,406-78.9% | $6,280-85.2% | $4,300-78.3% |
| Admin fee / account holder | $1,462 | $7,160-79.6% | $10,428-86.0% | $6,925-78.9% |