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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 | $26,627 | $61,356-56.6% | $149,696-82.2% | $71,511-62.8% |
| Participation rate | 44.6% | 62.5%-18.0pp | 78.8%-34.2pp | 67.9%-23.4pp |
| Annual return | 22.02% | 35.86%-13.8pp | 134.46%-112.4pp | 28.86%-6.8pp |
| Employer contribution / active EE | $0 | $2,382-100.0% | $4,821-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $3,938 | $2,920+34.9% | $5,682-30.7% | $4,291-8.2% |
| Admin fee / account holder | $2,066 | $1,263+63.5% | $13,212-84.4% | $1,588+30.0% |