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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 | $55,857 | $72,388-22.8% | $111,392-49.9% | $64,173-13.0% |
| Participation rate | 59.6% | 70.5%-10.9pp | 78.9%-19.2pp | 69.6%-10.0pp |
| Annual return | -5.59% | -1.50%-4.1pp | -2.06%-3.5pp | 7.63%-13.2pp |
| Employer contribution / active EE | $510 | $3,000-83.0% | $4,328-88.2% | $2,381-78.6% |
| Participant deferral / active EE | $2,041 | $4,241-51.9% | $5,567-63.3% | $3,470-41.2% |
| Admin fee / account holder | $2,109 | $5,719-63.1% | $12,266-82.8% | $4,887-56.9% |