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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 | $21,832 | $41,016-46.8% | $152,093-85.6% | $64,097-65.9% |
| Participation rate | 22.5% | 51.3%-28.8pp | 77.8%-55.3pp | 55.2%-32.7pp |
| Annual return | 14.91% | 39.60%-24.7pp | 66.36%-51.4pp | 34.64%-19.7pp |
| Employer contribution / active EE | $0 | $1,342-100.0% | $4,175-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,444 | $1,927-25.1% | $5,451-73.5% | $3,080-53.1% |
| Admin fee / account holder | $1,877 | $2,305-18.6% | $14,497-87.0% | $3,454-45.7% |