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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 | $37,274 | $45,626-18.3% | $94,105-60.4% | $64,097-41.8% |
| Participation rate | 21.9% | 48.0%-26.2pp | 71.9%-50.1pp | 55.2%-33.3pp |
| Annual return | 23.28% | 28.23%-5.0pp | 204.55%-181.3pp | 34.64%-11.4pp |
| Employer contribution / active EE | $0 | $1,171-100.0% | $2,504-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $3,109 | $2,128+46.1% | $3,881-19.9% | $3,080+1.0% |
| Admin fee / account holder | $1,178 | $2,872-59.0% | $6,199-81.0% | $3,454-65.9% |