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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 | $31,787 | $67,411-52.8% | $91,004-65.1% | $70,124-54.7% |
| Participation rate | 63.6% | 71.4%-7.7pp | 75.6%-12.0pp | 69.5%-5.9pp |
| Annual return | 19.74% | -40.16%+59.9pp | 4.60%+15.1pp | 73.14%-53.4pp |
| Employer contribution / active EE | $315 | $1,786-82.4% | $2,456-87.2% | $2,342-86.6% |
| Participant deferral / active EE | $2,301 | $2,823-18.5% | $3,548-35.1% | $3,332-30.9% |
| Admin fee / account holder | $1,938 | $4,236-54.2% | $5,417-64.2% | $4,645-58.3% |