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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 | $137,910 | $71,878+91.9% | $86,698+59.1% | $68,486+101.4% |
| Participation rate | 45.2% | 72.2%-27.0pp | 76.6%-31.4pp | 67.9%-22.7pp |
| Annual return | -4.65% | 3.53%-8.2pp | 35.95%-40.6pp | -7.85%+3.2pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,737 | $3,779-54.0% | $4,656-62.7% | $4,028-56.9% |
| Admin fee / account holder | $1,038 | $6,113-83.0% | $7,493-86.1% | $5,404-80.8% |