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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 | $53,605 | $64,719-17.2% | $112,249-52.2% | $68,486-21.7% |
| Participation rate | 40.8% | 67.2%-26.3pp | 75.1%-34.2pp | 67.9%-27.1pp |
| Annual return | -16.49% | -11.40%-5.1pp | 27.48%-44.0pp | -7.85%-8.6pp |
| Employer contribution / active EE | $306 | $2,747-88.9% | $3,636-91.6% | $2,597-88.2% |
| Participant deferral / active EE | $2,739 | $3,565-23.2% | $4,729-42.1% | $4,028-32.0% |
| Admin fee / account holder | $3,584 | $5,232-31.5% | $6,412-44.1% | $5,404-33.7% |