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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 | $80,048 | $69,590+15.0% | $136,867-41.5% | $94,015-14.9% |
| Participation rate | 25.0% | 66.3%-41.3pp | 74.5%-49.5pp | 70.8%-45.8pp |
| Annual return | 14.60% | 19.62%-5.0pp | 42.97%-28.4pp | 17.84%-3.2pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,547-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,081 | $3,437-39.5% | $4,924-57.7% | $4,249-51.0% |
| Admin fee / account holder | $659 | $8,912-92.6% | $10,340-93.6% | $8,951-92.6% |