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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 | $55,081 | $72,471-24.0% | $94,215-41.5% | $86,983-36.7% |
| Participation rate | 38.6% | 63.9%-25.2pp | 70.0%-31.3pp | 69.5%-30.9pp |
| Annual return | 14.69% | 26.44%-11.8pp | 28.22%-13.5pp | 25.83%-11.1pp |
| Employer contribution / active EE | $184 | $1,936-90.5% | $2,675-93.1% | $2,584-92.9% |
| Participant deferral / active EE | $1,632 | $3,397-51.9% | $4,276-61.8% | $4,194-61.1% |
| Admin fee / account holder | $1,376 | $6,468-78.7% | $10,216-86.5% | $7,856-82.5% |