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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 | $25,726 | $37,446-31.3% | $77,513-66.8% | $79,852-67.8% |
| Participation rate | 8.2% | 41.5%-33.4pp | 54.2%-46.0pp | 69.6%-61.5pp |
| Annual return | 21.48% | 39.76%-18.3pp | 54.81%-33.3pp | 31.72%-10.2pp |
| Employer contribution / active EE | $0 | $637-100.0% | $987-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $401 | $1,261-68.2% | $1,861-78.5% | $3,740-89.3% |
| Admin fee / account holder | $503 | $2,506-79.9% | $2,859-82.4% | $5,306-90.5% |