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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 | $29,305 | $53,596-45.3% | $90,657-67.7% | $64,173-54.3% |
| Participation rate | 19.2% | 64.5%-45.3pp | 74.0%-54.8pp | 69.6%-50.3pp |
| Annual return | -5.53% | 4.41%-9.9pp | 1.89%-7.4pp | 7.63%-13.2pp |
| Employer contribution / active EE | $231 | $1,503-84.6% | $2,532-90.9% | $2,381-90.3% |
| Participant deferral / active EE | $1,585 | $2,459-35.5% | $3,424-53.7% | $3,470-54.3% |
| Admin fee / account holder | $3,821 | $3,868-1.2% | $4,994-23.5% | $4,887-21.8% |