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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 | $59,348 | $95,453-37.8% | $112,040-47.0% | $82,448-28.0% |
| Participation rate | 44.9% | 72.8%-27.9pp | 76.5%-31.6pp | 68.1%-23.2pp |
| Annual return | 14.52% | 23.92%-9.4pp | 24.52%-10.0pp | 41.64%-27.1pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,946 | $4,224-30.2% | $5,098-42.2% | $4,139-28.8% |
| Admin fee / account holder | $10,562 | $9,013+17.2% | $12,098-12.7% | $7,234+46.0% |