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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 | $51,993 | $87,106-40.3% | $105,607-50.8% | $80,935-35.8% |
| Participation rate | 52.0% | 70.4%-18.4pp | 75.3%-23.3pp | 67.7%-15.7pp |
| Annual return | 15.76% | 17.01%-1.3pp | 116.11%-100.4pp | 35.66%-19.9pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,167-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,232 | $3,986-44.0% | $5,011-55.5% | $4,299-48.1% |
| Admin fee / account holder | $16,691 | $8,447+97.6% | $10,958+52.3% | $6,924+141.0% |