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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 | $73,993 | $95,404-22.4% | $113,397-34.7% | $82,637-10.5% |
| Participation rate | 51.9% | 72.8%-20.9pp | 76.5%-24.6pp | 68.1%-16.1pp |
| Annual return | 13.43% | 19.08%-5.7pp | 23.20%-9.8pp | 53.51%-40.1pp |
| Employer contribution / active EE | $291 | $2,307-87.4% | $2,977-90.2% | $2,552-88.6% |
| Participant deferral / active EE | $2,450 | $4,220-41.9% | $5,076-51.7% | $4,126-40.6% |
| Admin fee / account holder | $302 | $9,168-96.7% | $11,957-97.5% | $7,339-95.9% |