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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 | $61,210 | $72,177-15.2% | $115,037-46.8% | $59,633+2.6% |
| Participation rate | 64.7% | 72.6%-7.8pp | 81.4%-16.7pp | 68.7%-4.0pp |
| Annual return | -1.18% | 12.02%-13.2pp | 26.14%-27.3pp | 2041.40%-2042.6pp |
| Employer contribution / active EE | $380 | $2,841-86.6% | $4,608-91.7% | $2,203-82.7% |
| Participant deferral / active EE | $5,725 | $4,783+19.7% | $6,026-5.0% | $3,192+79.4% |
| Admin fee / account holder | $2,349 | $4,927-52.3% | $8,175-71.3% | $4,297-45.3% |