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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 | $59,592 | $47,944+24.3% | $67,834-12.2% | $62,881-5.2% |
| Participation rate | 62.5% | 61.1%+1.4pp | 68.8%-6.3pp | 69.3%-6.8pp |
| Annual return | 5.93% | 11.77%-5.8pp | 138.47%-132.5pp | 20.14%-14.2pp |
| Employer contribution / active EE | $0 | $1,562-100.0% | $2,403-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,153 | $2,247-48.7% | $3,160-63.5% | $3,203-64.0% |
| Admin fee / account holder | $455 | $3,712-87.7% | $4,622-90.2% | $4,296-89.4% |