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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 | $54,889 | $72,273-24.1% | $101,275-45.8% | $79,856-31.3% |
| Participation rate | 35.6% | 68.5%-32.9pp | 75.8%-40.3pp | 69.6%-34.1pp |
| Annual return | 22.21% | 22.30%-0.1pp | 46.48%-24.3pp | 31.71%-9.5pp |
| Employer contribution / active EE | $566 | $2,691-79.0% | $3,660-84.5% | $2,471-77.1% |
| Participant deferral / active EE | $1,475 | $3,282-55.1% | $4,371-66.3% | $3,741-60.6% |
| Admin fee / account holder | $546 | $4,401-87.6% | $5,948-90.8% | $5,306-89.7% |