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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 | $70,903 | $89,367-20.7% | $141,191-49.8% | $72,975-2.8% |
| Participation rate | 48.6% | 75.1%-26.6pp | 82.5%-33.9pp | 69.5%-20.9pp |
| Annual return | 26.59% | 111.87%-85.3pp | 71.41%-44.8pp | 81.01%-54.4pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $5,999 | $5,419+10.7% | $6,710-10.6% | $3,608+66.3% |
| Admin fee / account holder | $5,373 | $5,957-9.8% | $10,264-47.6% | $5,124+4.9% |