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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 | $44,626 | $104,650-57.4% | $83,854-46.8% | $155,188-71.2% |
| Participation rate | 60.0% | 65.1%-5.1pp | 59.1%+0.9pp | 80.8%-20.8pp |
| Annual return | 18.66% | 28.97%-10.3pp | 31.39%-12.7pp | 148.84%-130.2pp |
| Employer contribution / active EE | $0 | $1,196-100.0% | $1,017-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $6,511 | $2,367+175.0% | $2,035+219.9% | $6,531-0.3% |
| Admin fee / account holder | $7,015 | $3,518+99.4% | $3,197+119.4% | $14,480-51.6% |