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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 | $33,304 | $61,660-46.0% | $80,022-58.4% | $64,173-48.1% |
| Participation rate | 51.1% | 71.7%-20.6pp | 75.8%-24.7pp | 69.6%-18.5pp |
| Annual return | -7.03% | -0.33%-6.7pp | 11.22%-18.3pp | 7.63%-14.7pp |
| Employer contribution / active EE | $49 | $1,810-97.3% | $2,468-98.0% | $2,381-97.9% |
| Participant deferral / active EE | $1,478 | $2,968-50.2% | $3,686-59.9% | $3,470-57.4% |
| Admin fee / account holder | $833 | $5,417-84.6% | $6,521-87.2% | $4,887-83.0% |