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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 | $40,854 | $46,877-12.8% | $122,354-66.6% | $70,126-41.7% |
| Participation rate | 48.3% | 58.2%-9.9pp | 71.6%-23.4pp | 69.5%-21.3pp |
| Annual return | 14.99% | 24.22%-9.2pp | 30.28%-15.3pp | 73.15%-58.2pp |
| Employer contribution / active EE | $0 | $1,288-100.0% | $4,051-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,730 | $2,167+72.1% | $3,287+13.5% | $3,332+11.9% |
| Admin fee / account holder | $2,647 | $3,324-20.4% | $5,479-51.7% | $4,645-43.0% |