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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 | $129,303 | $53,162+143.2% | $91,227+41.7% | $68,490+88.8% |
| Participation rate | 64.3% | 63.2%+1.1pp | 73.2%-8.9pp | 67.9%-3.6pp |
| Annual return | -13.59% | -3.14%-10.4pp | 114.14%-127.7pp | -7.85%-5.7pp |
| Employer contribution / active EE | $0 | $1,709-100.0% | $2,851-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,306 | $2,974+11.2% | $4,234-21.9% | $4,028-17.9% |
| Admin fee / account holder | $1,666 | $4,493-62.9% | $5,423-69.3% | $5,403-69.2% |