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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 | $69,869 | $81,504-14.3% | $102,437-31.8% | $80,959-13.7% |
| Participation rate | 19.5% | 66.9%-47.3pp | 74.5%-55.0pp | 67.7%-48.2pp |
| Annual return | 12.83% | 25.60%-12.8pp | 24.95%-12.1pp | 35.67%-22.8pp |
| Employer contribution / active EE | $713 | $3,104-77.0% | $3,871-81.6% | $2,757-74.1% |
| Participant deferral / active EE | $2,577 | $3,871-33.4% | $5,060-49.1% | $4,300-40.1% |
| Admin fee / account holder | $3,886 | $6,719-42.2% | $8,388-53.7% | $6,925-43.9% |