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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 | $77,418 | $89,259-13.3% | $107,187-27.8% | $82,637-6.3% |
| Participation rate | 31.3% | 67.9%-36.7pp | 75.0%-43.8pp | 68.1%-36.8pp |
| Annual return | 17.61% | 21.02%-3.4pp | 204.55%-186.9pp | 53.51%-35.9pp |
| Employer contribution / active EE | $490 | $3,080-84.1% | $3,782-87.0% | $2,552-80.8% |
| Participant deferral / active EE | $2,485 | $4,037-38.5% | $5,096-51.2% | $4,126-39.8% |
| Admin fee / account holder | $554 | $7,381-92.5% | $9,162-94.0% | $7,339-92.4% |