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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 | $31,799 | $81,358-60.9% | $155,556-79.6% | $80,959-60.7% |
| Participation rate | 29.2% | 66.3%-37.1pp | 78.2%-49.1pp | 67.7%-38.5pp |
| Annual return | 11.97% | 33.39%-21.4pp | 64.84%-52.9pp | 35.67%-23.7pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,150 | $3,455-66.7% | $5,631-79.6% | $4,300-73.3% |
| Admin fee / account holder | $842 | $7,994-89.5% | $15,885-94.7% | $6,925-87.8% |