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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 | $37,866 | $46,596-18.7% | $64,099-40.9% | $75,181-49.6% |
| Participation rate | 25.3% | 65.9%-40.6pp | 72.3%-47.0pp | 67.2%-41.9pp |
| Annual return | 18.94% | 26.04%-7.1pp | 33.70%-14.8pp | 160.69%-141.8pp |
| Employer contribution / active EE | $0 | $1,975-100.0% | $2,748-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,886 | $2,837+1.7% | $3,881-25.6% | $4,126-30.0% |
| Admin fee / account holder | $910 | $2,954-69.2% | $3,070-70.4% | $5,650-83.9% |