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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 | $21,105 | $64,462-67.3% | $81,482-74.1% | $80,911-73.9% |
| Participation rate | 48.2% | 63.9%-15.7pp | 69.5%-21.3pp | 67.6%-19.4pp |
| Annual return | 19.01% | 16.35%+2.7pp | 24.79%-5.8pp | 35.63%-16.6pp |
| Employer contribution / active EE | $0 | $1,979-100.0% | $2,463-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,066 | $3,094-33.2% | $3,885-46.8% | $4,297-51.9% |
| Admin fee / account holder | $663 | $5,678-88.3% | $5,761-88.5% | $6,935-90.4% |