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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 | $55,485 | $54,541+1.7% | $78,778-29.6% | $70,126-20.9% |
| Participation rate | 31.7% | 60.8%-29.1pp | 69.2%-37.4pp | 69.5%-37.8pp |
| Annual return | 23.74% | 21.07%+2.7pp | 35.62%-11.9pp | 73.15%-49.4pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,058 | $2,210-52.1% | $2,958-64.3% | $3,332-68.3% |
| Admin fee / account holder | $1,044 | $3,709-71.9% | $5,134-79.7% | $4,645-77.5% |