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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 | $67,755 | $106,864-36.6% | $147,318-54.0% | $82,637-18.0% |
| Participation rate | 39.2% | 75.5%-36.3pp | 82.1%-42.9pp | 68.1%-28.9pp |
| Annual return | 16.61% | 27.49%-10.9pp | 70.43%-53.8pp | 53.51%-36.9pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,024 | $6,496-53.4% | $7,906-61.8% | $4,126-26.7% |
| Admin fee / account holder | $14,369 | $8,415+70.8% | $13,708+4.8% | $7,339+95.8% |