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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 | $37,508 | $77,358-51.5% | $102,184-63.3% | $87,485-57.1% |
| Participation rate | 63.9% | 78.7%-14.7pp | 82.6%-18.7pp | 68.9%-5.0pp |
| Annual return | 17.39% | 41.11%-23.7pp | 31.58%-14.2pp | 26.06%-8.7pp |
| Employer contribution / active EE | $0 | $2,562-100.0% | $3,594-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,471 | $6,753-33.8% | $8,309-46.2% | $4,274+4.6% |
| Admin fee / account holder | $1,870 | $6,809-72.5% | $11,609-83.9% | $7,775-75.9% |