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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 | $46,143 | $78,013-40.9% | $178,449-74.1% | $80,911-43.0% |
| Participation rate | 58.1% | 65.7%-7.6pp | 77.1%-19.0pp | 67.6%-9.6pp |
| Annual return | 12.79% | 18.07%-5.3pp | 27.09%-14.3pp | 35.63%-22.8pp |
| Employer contribution / active EE | $0 | $2,287-100.0% | $3,951-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,221 | $4,408-26.9% | $6,277-48.7% | $4,297-25.0% |
| Admin fee / account holder | $1,040 | $7,166-85.5% | $10,362-90.0% | $6,935-85.0% |