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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 | $56,352 | $47,448+18.8% | $94,993-40.7% | $62,293-9.5% |
| Participation rate | 37.4% | 66.5%-29.1pp | 73.9%-36.5pp | 69.5%-32.1pp |
| Annual return | 13.97% | 22.64%-8.7pp | 27.14%-13.2pp | 28.90%-14.9pp |
| Employer contribution / active EE | $516 | $1,300-60.3% | $2,603-80.2% | $2,042-74.7% |
| Participant deferral / active EE | $826 | $2,375-65.2% | $3,317-75.1% | $3,169-73.9% |
| Admin fee / account holder | $7,098 | $434+1534.3% | $4,960+43.1% | $479+1380.8% |