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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 | $21,436 | $73,863-71.0% | $143,797-85.1% | $68,490-68.7% |
| Participation rate | 38.9% | 66.7%-27.8pp | 80.3%-41.4pp | 67.9%-29.0pp |
| Annual return | -18.67% | 0.91%-19.6pp | -0.04%-18.6pp | -7.85%-10.8pp |
| Employer contribution / active EE | $158 | $3,185-95.0% | $4,952-96.8% | $2,597-93.9% |
| Participant deferral / active EE | $2,071 | $3,385-38.8% | $5,638-63.3% | $4,028-48.6% |
| Admin fee / account holder | $6,382 | $5,756+10.9% | $14,679-56.5% | $5,403+18.1% |