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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 | $54,962 | $78,423-29.9% | $95,964-42.7% | $79,856-31.2% |
| Participation rate | 36.7% | 73.5%-36.8pp | 77.1%-40.3pp | 69.6%-32.9pp |
| Annual return | 21.55% | 19.37%+2.2pp | 91.64%-70.1pp | 31.71%-10.2pp |
| Employer contribution / active EE | $448 | $1,945-77.0% | $2,541-82.4% | $2,471-81.9% |
| Participant deferral / active EE | $1,810 | $3,440-47.4% | $4,167-56.5% | $3,741-51.6% |
| Admin fee / account holder | $684 | $5,622-87.8% | $6,797-89.9% | $5,306-87.1% |