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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 | $34,705 | $81,504-57.4% | $102,437-66.1% | $80,959-57.1% |
| Participation rate | 32.0% | 66.9%-34.9pp | 74.5%-42.5pp | 67.7%-35.7pp |
| Annual return | 12.46% | 25.60%-13.1pp | 24.95%-12.5pp | 35.67%-23.2pp |
| Employer contribution / active EE | $788 | $3,104-74.6% | $3,871-79.6% | $2,757-71.4% |
| Participant deferral / active EE | $1,707 | $3,871-55.9% | $5,060-66.3% | $4,300-60.3% |
| Admin fee / account holder | $4,613 | $6,719-31.4% | $8,388-45.0% | $6,925-33.4% |