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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $33,621 | $81,504-58.7% | $102,437-67.2% | $80,959-58.5% |
| Participation rate | 21.6% | 66.9%-45.2pp | 74.5%-52.9pp | 67.7%-46.0pp |
| Annual return | 6.31% | 25.60%-19.3pp | 24.95%-18.6pp | 35.67%-29.4pp |
| Employer contribution / active EE | $559 | $3,104-82.0% | $3,871-85.6% | $2,757-79.7% |
| Participant deferral / active EE | $2,355 | $3,871-39.2% | $5,060-53.5% | $4,300-45.2% |
| Admin fee / account holder | $4,158 | $6,719-38.1% | $8,388-50.4% | $6,925-40.0% |