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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 | $48,261 | $59,839-19.3% | $81,988-41.1% | $79,858-39.6% |
| Participation rate | 31.8% | 61.6%-29.8pp | 69.3%-37.4pp | 69.6%-37.8pp |
| Annual return | 11.08% | 17.56%-6.5pp | 41.31%-30.2pp | 31.72%-20.6pp |
| Employer contribution / active EE | $408 | $1,713-76.2% | $2,498-83.7% | $2,471-83.5% |
| Participant deferral / active EE | $815 | $2,695-69.8% | $3,722-78.1% | $3,740-78.2% |
| Admin fee / account holder | $2,262 | $4,287-47.2% | $5,665-60.1% | $5,306-57.4% |