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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 | $51,319 | $47,944+7.0% | $67,834-24.3% | $62,881-18.4% |
| Participation rate | 53.1% | 61.1%-7.9pp | 68.8%-15.7pp | 69.3%-16.2pp |
| Annual return | 5.74% | 11.77%-6.0pp | 138.47%-132.7pp | 20.14%-14.4pp |
| Employer contribution / active EE | $63 | $1,562-95.9% | $2,403-97.4% | $2,281-97.2% |
| Participant deferral / active EE | $1,269 | $2,247-43.5% | $3,160-59.8% | $3,203-60.4% |
| Admin fee / account holder | $8,152 | $3,712+119.6% | $4,622+76.4% | $4,296+89.8% |