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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 | $39,003 | $51,708-24.6% | $106,619-63.4% | $62,881-38.0% |
| Participation rate | 41.0% | 66.9%-25.8pp | 78.0%-37.0pp | 69.3%-28.3pp |
| Annual return | 10.62% | 4.69%+5.9pp | 9.42%+1.2pp | 20.14%-9.5pp |
| Employer contribution / active EE | $357 | $1,764-79.8% | $3,947-91.0% | $2,281-84.3% |
| Participant deferral / active EE | $1,729 | $2,315-25.3% | $3,930-56.0% | $3,203-46.0% |
| Admin fee / account holder | $3,552 | $3,349+6.1% | $6,418-44.7% | $4,296-17.3% |