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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 | $49,657 | $100,901-50.8% | $75,501-34.2% | $147,586-66.4% |
| Participation rate | 61.1% | 77.1%-16.0pp | 72.4%-11.2pp | 82.8%-21.7pp |
| Annual return | 9.82% | 35.78%-26.0pp | 27.35%-17.5pp | 578.59%-568.8pp |
| Employer contribution / active EE | $0 | $3,253-100.0% | $2,352-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $3,718 | $4,027-7.7% | $3,142+18.3% | $5,439-31.6% |
| Admin fee / account holder | $1,302 | $11,285-88.5% | $5,801-77.6% | $10,886-88.0% |