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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 | $114,666 | $90,400+26.8% | $186,193-38.4% | $87,485+31.1% |
| Participation rate | 19.4% | 66.2%-46.7pp | 77.1%-57.7pp | 68.9%-49.5pp |
| Annual return | 14.01% | 22.15%-8.1pp | 78.03%-64.0pp | 26.06%-12.1pp |
| Employer contribution / active EE | $0 | $2,170-100.0% | $3,918-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,261 | $4,330-47.8% | $6,513-65.3% | $4,274-47.1% |
| Admin fee / account holder | $5,188 | $8,673-40.2% | $11,058-53.1% | $7,775-33.3% |