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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 | $25,711 | $67,602-62.0% | $82,312-68.8% | $70,126-63.3% |
| Participation rate | 61.7% | 72.8%-11.1pp | 76.9%-15.2pp | 69.5%-7.8pp |
| Annual return | 13.58% | 21.57%-8.0pp | 25.88%-12.3pp | 73.15%-59.6pp |
| Employer contribution / active EE | $202 | $1,755-88.5% | $2,428-91.7% | $2,343-91.4% |
| Participant deferral / active EE | $1,748 | $2,987-41.5% | $3,706-52.8% | $3,332-47.5% |
| Admin fee / account holder | $4,834 | $4,512+7.2% | $5,608-13.8% | $4,645+4.1% |