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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 | $11,011 | $45,343-75.7% | $150,298-92.7% | $67,986-83.8% |
| Participation rate | 27.8% | 51.9%-24.1pp | 77.8%-50.0pp | 57.2%-29.4pp |
| Annual return | 14.98% | 33.28%-18.3pp | 62.79%-47.8pp | 31.67%-16.7pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,383 | $2,055-32.7% | $5,453-74.6% | $3,358-58.8% |
| Admin fee / account holder | $975 | $2,250-56.7% | $14,116-93.1% | $3,203-69.6% |