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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 | $40,222 | $79,867-49.6% | $120,344-66.6% | $64,340-37.5% |
| Participation rate | 41.6% | 63.0%-21.4pp | 76.7%-35.1pp | 55.2%-13.6pp |
| Annual return | 16.38% | 21.10%-4.7pp | 20.30%-3.9pp | 24.14%-7.8pp |
| Employer contribution / active EE | $445 | $1,925-76.9% | $3,020-85.3% | $1,862-76.1% |
| Participant deferral / active EE | $2,096 | $3,593-41.7% | $5,135-59.2% | $2,980-29.7% |
| Admin fee / account holder | $367 | $5,039-92.7% | $12,742-97.1% | $3,703-90.1% |