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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 | $54,301 | $145,431-62.7% | $211,142-74.3% | $87,485-37.9% |
| Participation rate | 54.9% | 84.7%-29.8pp | 87.3%-32.3pp | 68.9%-14.0pp |
| Annual return | 20.78% | 27.21%-6.4pp | 46.84%-26.1pp | 26.06%-5.3pp |
| Employer contribution / active EE | $1,315 | $4,662-71.8% | $6,442-79.6% | $2,596-49.4% |
| Participant deferral / active EE | $5,057 | $6,859-26.3% | $9,284-45.5% | $4,274+18.3% |
| Admin fee / account holder | $6,559 | $17,052-61.5% | $19,076-65.6% | $7,775-15.6% |