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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $39,941 | $47,848-16.5% | $81,473-51.0% | $70,126-43.0% |
| Participation rate | 22.6% | 58.3%-35.7pp | 68.0%-45.4pp | 69.5%-47.0pp |
| Annual return | 8.37% | 27.25%-18.9pp | 38.78%-30.4pp | 73.15%-64.8pp |
| Employer contribution / active EE | $0 | $1,527-100.0% | $2,568-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,557 | $2,453-36.5% | $3,537-56.0% | $3,332-53.3% |
| Admin fee / account holder | $3,587 | $3,145+14.1% | $4,561-21.4% | $4,645-22.8% |