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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 | $65,220 | $65,027+0.3% | $90,970-28.3% | $79,852-18.3% |
| Participation rate | 40.7% | 61.6%-20.9pp | 69.0%-28.3pp | 69.6%-29.0pp |
| Annual return | 12.18% | 30.45%-18.3pp | 134.58%-122.4pp | 31.72%-19.5pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,268 | $2,512-9.7% | $3,373-32.8% | $3,740-39.4% |
| Admin fee / account holder | $9,976 | $4,535+120.0% | $5,960+67.4% | $5,306+88.0% |