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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 | $73,319 | $91,120-19.5% | $161,149-54.5% | $64,097+14.4% |
| Participation rate | 26.2% | 62.2%-36.0pp | 78.8%-52.7pp | 55.2%-29.0pp |
| Annual return | 14.01% | 17.95%-3.9pp | 21.16%-7.1pp | 34.64%-20.6pp |
| Employer contribution / active EE | $193 | $2,284-91.5% | $4,360-95.6% | $1,891-89.8% |
| Participant deferral / active EE | $1,737 | $3,708-53.2% | $6,153-71.8% | $3,080-43.6% |
| Admin fee / account holder | $15,309 | $4,535+237.6% | $15,194+0.8% | $3,454+343.2% |