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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $29,073 | $39,132-25.7% | $57,196-49.2% | $62,881-53.8% |
| Participation rate | 60.0% | 70.5%-10.5pp | 75.3%-15.3pp | 69.3%-9.3pp |
| Annual return | 7.19% | 9.24%-2.1pp | 14.59%-7.4pp | 20.14%-13.0pp |
| Employer contribution / active EE | $432 | $1,874-77.0% | $2,683-83.9% | $2,281-81.1% |
| Participant deferral / active EE | $720 | $2,374-69.7% | $3,096-76.8% | $3,203-77.5% |
| Admin fee / account holder | $1,456 | $2,594-43.9% | $3,141-53.7% | $4,296-66.1% |