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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 | $83,904 | $80,674+4.0% | $119,126-29.6% | $64,340+30.4% |
| Participation rate | 44.0% | 55.2%-11.2pp | 75.8%-31.7pp | 55.2%-11.2pp |
| Annual return | 20.02% | 26.86%-6.8pp | 282.11%-262.1pp | 24.14%-4.1pp |
| Employer contribution / active EE | $363 | $2,564-85.8% | $4,034-91.0% | $1,862-80.5% |
| Participant deferral / active EE | $2,843 | $3,053-6.9% | $5,318-46.5% | $2,980-4.6% |
| Admin fee / account holder | $966 | $4,559-78.8% | $10,693-91.0% | $3,703-73.9% |