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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 | $28,724 | $26,805+7.2% | $59,496-51.7% | $52,331-45.1% |
| Participation rate | 20.4% | 39.3%-19.0pp | 54.6%-34.2pp | 68.1%-47.7pp |
| Annual return | -0.66% | 2.61%-3.3pp | 182.05%-182.7pp | 4.54%-5.2pp |
| Employer contribution / active EE | $0 | $450-100.0% | $1,153-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $791 | $916-13.7% | $1,829-56.8% | $3,022-73.8% |
| Admin fee / account holder | $1,475 | $305+383.8% | $2,232-33.9% | $592+149.3% |