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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 | $45,022 | $67,411-33.2% | $91,004-50.5% | $70,126-35.8% |
| Participation rate | 42.2% | 71.4%-29.1pp | 75.6%-33.4pp | 69.5%-27.3pp |
| Annual return | 15.15% | -40.16%+55.3pp | 4.60%+10.6pp | 73.15%-58.0pp |
| Employer contribution / active EE | $330 | $1,786-81.5% | $2,456-86.6% | $2,343-85.9% |
| Participant deferral / active EE | $1,695 | $2,823-40.0% | $3,548-52.2% | $3,332-49.1% |
| Admin fee / account holder | $5,891 | $4,236+39.1% | $5,417+8.7% | $4,645+26.8% |