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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 | $45,778 | $106,749-57.1% | $145,433-68.5% | $82,448-44.5% |
| Participation rate | 42.4% | 75.6%-33.2pp | 82.1%-39.7pp | 68.1%-25.6pp |
| Annual return | 19.72% | 27.59%-7.9pp | 66.58%-46.9pp | 41.64%-21.9pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,792 | $6,519-57.2% | $7,897-64.7% | $4,139-32.6% |
| Admin fee / account holder | $524 | $8,390-93.7% | $13,129-96.0% | $7,234-92.8% |