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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 | $36,314 | $78,013-53.5% | $178,449-79.6% | $80,911-55.1% |
| Participation rate | 37.8% | 65.7%-27.8pp | 77.1%-39.3pp | 67.6%-29.8pp |
| Annual return | 12.27% | 18.07%-5.8pp | 27.09%-14.8pp | 35.63%-23.4pp |
| Employer contribution / active EE | $0 | $2,287-100.0% | $3,951-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,448 | $4,408-67.2% | $6,277-76.9% | $4,297-66.3% |
| Admin fee / account holder | $3,540 | $7,166-50.6% | $10,362-65.8% | $6,935-49.0% |