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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 | $43,048 | $77,638-44.6% | $156,551-72.5% | $62,881-31.5% |
| Participation rate | 49.3% | 71.2%-21.9pp | 84.0%-34.7pp | 69.3%-20.0pp |
| Annual return | 7.93% | 50.33%-42.4pp | 32.23%-24.3pp | 20.14%-12.2pp |
| Employer contribution / active EE | $225 | $3,444-93.5% | $5,501-95.9% | $2,281-90.1% |
| Participant deferral / active EE | $3,128 | $3,046+2.7% | $4,871-35.8% | $3,203-2.3% |
| Admin fee / account holder | $909 | $5,561-83.7% | $13,028-93.0% | $4,296-78.9% |