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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 | $32,384 | $45,343-28.6% | $150,298-78.5% | $67,986-52.4% |
| Participation rate | 24.2% | 51.9%-27.7pp | 77.8%-53.6pp | 57.2%-33.0pp |
| Annual return | 20.26% | 33.28%-13.0pp | 62.79%-42.5pp | 31.67%-11.4pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,505 | $2,055-26.8% | $5,453-72.4% | $3,358-55.2% |
| Admin fee / account holder | $9,450 | $2,250+320.0% | $14,116-33.1% | $3,203+195.0% |