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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 | $48,437 | $35,183+37.7% | $73,550-34.1% | $70,126-30.9% |
| Participation rate | 7.3% | 42.9%-35.6pp | 54.9%-47.6pp | 69.5%-62.2pp |
| Annual return | 16.81% | 26.90%-10.1pp | -15.16%+32.0pp | 73.15%-56.3pp |
| Employer contribution / active EE | $0 | $709-100.0% | $1,219-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $611 | $1,220-49.9% | $1,804-66.1% | $3,332-81.7% |
| Admin fee / account holder | $3,167 | $2,302+37.6% | $2,320+36.5% | $4,645-31.8% |