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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 | $56,975 | $81,504-30.1% | $102,437-44.4% | $80,959-29.6% |
| Participation rate | 46.3% | 66.9%-20.5pp | 74.5%-28.2pp | 67.7%-21.3pp |
| Annual return | 16.38% | 25.60%-9.2pp | 24.95%-8.6pp | 35.67%-19.3pp |
| Employer contribution / active EE | $469 | $3,104-84.9% | $3,871-87.9% | $2,757-83.0% |
| Participant deferral / active EE | $2,583 | $3,871-33.3% | $5,060-49.0% | $4,300-39.9% |
| Admin fee / account holder | $2,343 | $6,719-65.1% | $8,388-72.1% | $6,925-66.2% |