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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 | $47,329 | $72,273-34.5% | $101,275-53.3% | $79,856-40.7% |
| Participation rate | 51.7% | 68.5%-16.7pp | 75.8%-24.1pp | 69.6%-17.9pp |
| Annual return | 13.07% | 22.30%-9.2pp | 46.48%-33.4pp | 31.71%-18.6pp |
| Employer contribution / active EE | $468 | $2,691-82.6% | $3,660-87.2% | $2,471-81.1% |
| Participant deferral / active EE | $2,059 | $3,282-37.2% | $4,371-52.9% | $3,741-44.9% |
| Admin fee / account holder | $4,674 | $4,401+6.2% | $5,948-21.4% | $5,306-11.9% |