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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 | $54,954 | $78,690-30.2% | $161,489-66.0% | $87,485-37.2% |
| Participation rate | 48.1% | 67.5%-19.4pp | 78.7%-30.6pp | 68.9%-20.9pp |
| Annual return | 16.80% | 32.74%-15.9pp | 89.72%-72.9pp | 26.06%-9.3pp |
| Employer contribution / active EE | $60 | $2,588-97.7% | $4,268-98.6% | $2,596-97.7% |
| Participant deferral / active EE | $5,343 | $3,311+61.4% | $5,630-5.1% | $4,274+25.0% |
| Admin fee / account holder | $2,687 | $6,724-60.0% | $16,006-83.2% | $7,775-65.4% |