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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 | $75,286 | $72,177+4.3% | $115,037-34.6% | $59,633+26.2% |
| Participation rate | 50.9% | 72.6%-21.6pp | 81.4%-30.4pp | 68.7%-17.7pp |
| Annual return | -1.45% | 12.02%-13.5pp | 26.14%-27.6pp | 2041.40%-2042.9pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,808 | $4,783-20.4% | $6,026-36.8% | $3,192+19.3% |
| Admin fee / account holder | $6,044 | $4,927+22.7% | $8,175-26.1% | $4,297+40.7% |