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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 | $78,215 | $199,109-60.7% | $173,730-55.0% | $154,746-49.5% |
| Participation rate | 29.4% | 82.8%-53.4pp | 79.6%-50.2pp | 80.7%-51.3pp |
| Annual return | 13.44% | 20.02%-6.6pp | 19.96%-6.5pp | 172.34%-158.9pp |
| Employer contribution / active EE | $399 | $5,311-92.5% | $4,577-91.3% | $4,379-90.9% |
| Participant deferral / active EE | $2,523 | $7,113-64.5% | $6,326-60.1% | $6,730-62.5% |
| Admin fee / account holder | $6,571 | $20,916-68.6% | $17,523-62.5% | $14,365-54.3% |