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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 | $69,818 | $94,031-25.7% | $115,768-39.7% | $82,448-15.3% |
| Participation rate | 40.0% | 70.4%-30.4pp | 74.4%-34.4pp | 68.1%-28.1pp |
| Annual return | 12.77% | 20.61%-7.8pp | 100.46%-87.7pp | 41.64%-28.9pp |
| Employer contribution / active EE | $449 | $2,323-80.7% | $2,940-84.7% | $2,551-82.4% |
| Participant deferral / active EE | $1,942 | $3,972-51.1% | $4,917-60.5% | $4,139-53.1% |
| Admin fee / account holder | $7,069 | $10,249-31.0% | $12,439-43.2% | $7,234-2.3% |