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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 | $40,483 | $60,349-32.9% | $74,184-45.4% | $62,881-35.6% |
| Participation rate | 36.0% | 72.7%-36.7pp | 76.6%-40.6pp | 69.3%-33.3pp |
| Annual return | 6.45% | 21.38%-14.9pp | 17.74%-11.3pp | 20.14%-13.7pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,799 | $2,856-2.0% | $3,550-21.1% | $3,203-12.6% |
| Admin fee / account holder | $2,331 | $4,261-45.3% | $5,586-58.3% | $4,296-45.7% |