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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 | $40,918 | $86,949-52.9% | $102,460-60.1% | $80,959-49.5% |
| Participation rate | 44.2% | 72.4%-28.2pp | 76.5%-32.3pp | 67.7%-23.4pp |
| Annual return | 12.65% | 18.89%-6.2pp | 29.47%-16.8pp | 35.67%-23.0pp |
| Employer contribution / active EE | $336 | $2,370-85.8% | $3,025-88.9% | $2,757-87.8% |
| Participant deferral / active EE | $2,322 | $4,121-43.7% | $5,056-54.1% | $4,300-46.0% |
| Admin fee / account holder | $844 | $8,048-89.5% | $9,460-91.1% | $6,925-87.8% |