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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 | $58,663 | $77,817-24.6% | $123,553-52.5% | $64,173-8.6% |
| Participation rate | 67.4% | 74.7%-7.3pp | 82.3%-14.9pp | 69.6%-2.2pp |
| Annual return | -4.74% | 12.49%-17.2pp | 119.21%-123.9pp | 7.63%-12.4pp |
| Employer contribution / active EE | $8 | $3,014-99.7% | $4,628-99.8% | $2,381-99.7% |
| Participant deferral / active EE | $3,505 | $5,240-33.1% | $6,426-45.5% | $3,470+1.0% |
| Admin fee / account holder | $2,723 | $5,519-50.7% | $9,284-70.7% | $4,887-44.3% |