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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 | $23,632 | $58,828-59.8% | $78,002-69.7% | $62,881-62.4% |
| Participation rate | 46.9% | 71.1%-24.2pp | 75.5%-28.7pp | 69.3%-22.4pp |
| Annual return | 7.69% | 17.16%-9.5pp | 425.99%-418.3pp | 20.14%-12.5pp |
| Employer contribution / active EE | $200 | $1,672-88.0% | $2,470-91.9% | $2,281-91.2% |
| Participant deferral / active EE | $1,166 | $2,686-56.6% | $3,497-66.7% | $3,203-63.6% |
| Admin fee / account holder | $3,908 | $4,393-11.0% | $5,481-28.7% | $4,296-9.0% |