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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 | $45,319 | $73,955-38.7% | $96,520-53.0% | $75,181-39.7% |
| Participation rate | 37.0% | 66.4%-29.4pp | 74.3%-37.3pp | 67.2%-30.2pp |
| Annual return | 30.36% | 26.72%+3.6pp | 35.72%-5.4pp | 160.69%-130.3pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,739-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,846 | $3,659-22.2% | $4,879-41.7% | $4,126-31.0% |
| Admin fee / account holder | $2,686 | $5,217-48.5% | $6,733-60.1% | $5,650-52.5% |