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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $46,183 | $76,834-39.9% | $108,359-57.4% | $87,485-47.2% |
| Participation rate | 29.5% | 61.7%-32.2pp | 70.1%-40.6pp | 68.9%-39.4pp |
| Annual return | 16.86% | 19.09%-2.2pp | 36.89%-20.0pp | 26.06%-9.2pp |
| Employer contribution / active EE | $0 | $1,556-100.0% | $2,399-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $959 | $3,100-69.1% | $4,137-76.8% | $4,274-77.6% |
| Admin fee / account holder | $1,378 | $6,537-78.9% | $9,741-85.8% | $7,775-82.3% |