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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 | $74,675 | $77,574-3.7% | $108,753-31.3% | $86,983-14.1% |
| Participation rate | 26.7% | 62.3%-35.6pp | 71.1%-44.4pp | 69.5%-42.9pp |
| Annual return | 12.19% | 18.42%-6.2pp | 37.47%-25.3pp | 25.83%-13.6pp |
| Employer contribution / active EE | $193 | $1,611-88.0% | $2,427-92.1% | $2,584-92.5% |
| Participant deferral / active EE | $1,584 | $3,128-49.4% | $4,115-61.5% | $4,194-62.2% |
| Admin fee / account holder | $309 | $6,529-95.3% | $10,320-97.0% | $7,856-96.1% |