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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 | $60,900 | $76,564-20.5% | $105,582-42.3% | $94,015-35.2% |
| Participation rate | 33.3% | 65.2%-31.8pp | 71.8%-38.4pp | 70.8%-37.5pp |
| Annual return | 12.85% | 20.69%-7.8pp | 18.61%-5.8pp | 17.84%-5.0pp |
| Employer contribution / active EE | $0 | $1,995-100.0% | $2,984-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,621 | $3,320-21.1% | $4,353-39.8% | $4,249-38.3% |
| Admin fee / account holder | $7,665 | $7,129+7.5% | $12,856-40.4% | $8,951-14.4% |