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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 | $48,012 | $54,380-11.7% | $68,509-29.9% | $59,633-19.5% |
| Participation rate | 47.4% | 70.2%-22.8pp | 74.7%-27.4pp | 68.7%-21.3pp |
| Annual return | -0.30% | 2.83%-3.1pp | 8.27%-8.6pp | 2041.40%-2041.7pp |
| Employer contribution / active EE | $0 | $1,539-100.0% | $2,278-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,223 | $2,643-53.7% | $3,382-63.8% | $3,192-61.7% |
| Admin fee / account holder | $12,759 | $3,885+228.4% | $5,275+141.9% | $4,297+196.9% |