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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 | $54,437 | $49,280+10.5% | $67,313-19.1% | $64,173-15.2% |
| Participation rate | 35.2% | 60.8%-25.6pp | 69.1%-33.9pp | 69.6%-34.4pp |
| Annual return | -7.44% | -1.39%-6.1pp | -4.08%-3.4pp | 7.63%-15.1pp |
| Employer contribution / active EE | $0 | $1,668-100.0% | $2,566-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,287 | $2,484-48.2% | $3,568-63.9% | $3,470-62.9% |
| Admin fee / account holder | $2,739 | $3,863-29.1% | $4,507-39.2% | $4,887-44.0% |