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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 | $38,049 | $118,496-67.9% | $98,461-61.4% | $139,466-72.7% |
| Participation rate | 68.4% | 77.5%-9.0pp | 75.2%-6.7pp | 80.3%-11.9pp |
| Annual return | 21.29% | 18.96%+2.3pp | 21.17%+0.1pp | 373.66%-352.4pp |
| Employer contribution / active EE | $0 | $3,611-100.0% | $3,049-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $2,085 | $5,393-61.3% | $4,738-56.0% | $6,712-68.9% |
| Admin fee / account holder | $839 | $14,056-94.0% | $8,961-90.6% | $11,409-92.6% |