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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 | $44,124 | $78,670-43.9% | $109,173-59.6% | $85,847-48.6% |
| Participation rate | 48.6% | 68.3%-19.6pp | 75.9%-27.2pp | 69.3%-20.7pp |
| Annual return | 15.06% | 25.09%-10.0pp | 25.75%-10.7pp | 318.61%-303.5pp |
| Employer contribution / active EE | $446 | $2,734-83.7% | $3,723-88.0% | $2,565-82.6% |
| Participant deferral / active EE | $2,949 | $3,467-14.9% | $4,654-36.6% | $3,952-25.4% |
| Admin fee / account holder | $543 | $5,469-90.1% | $6,755-92.0% | $6,261-91.3% |