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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 | $54,146 | $57,352-5.6% | $83,830-35.4% | $64,173-15.6% |
| Participation rate | 64.1% | 68.6%-4.5pp | 76.1%-12.0pp | 69.6%-5.5pp |
| Annual return | -5.99% | 11.38%-17.4pp | 850.97%-857.0pp | 7.63%-13.6pp |
| Employer contribution / active EE | $399 | $2,546-84.3% | $3,631-89.0% | $2,381-83.3% |
| Participant deferral / active EE | $2,219 | $2,993-25.9% | $4,082-45.6% | $3,470-36.0% |
| Admin fee / account holder | $1,148 | $4,046-71.6% | $5,479-79.1% | $4,887-76.5% |