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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 | $46,238 | $57,541-19.6% | $95,759-51.7% | $75,177-38.5% |
| Participation rate | 29.8% | 62.5%-32.7pp | 72.3%-42.5pp | 67.2%-37.4pp |
| Annual return | 21.30% | 34.93%-13.6pp | 28.42%-7.1pp | 160.75%-139.5pp |
| Employer contribution / active EE | $300 | $1,808-83.4% | $2,836-89.4% | $2,671-88.8% |
| Participant deferral / active EE | $1,418 | $3,074-53.9% | $4,244-66.6% | $4,126-65.6% |
| Admin fee / account holder | $320 | $4,099-92.2% | $5,678-94.4% | $5,651-94.3% |