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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $38,653 | $53,162-27.3% | $91,227-57.6% | $68,490-43.6% |
| Participation rate | 41.3% | 63.2%-22.0pp | 73.2%-31.9pp | 67.9%-26.6pp |
| Annual return | -19.16% | -3.14%-16.0pp | 114.14%-133.3pp | -7.85%-11.3pp |
| Employer contribution / active EE | $573 | $1,709-66.5% | $2,851-79.9% | $2,597-77.9% |
| Participant deferral / active EE | $827 | $2,974-72.2% | $4,234-80.5% | $4,028-79.5% |
| Admin fee / account holder | $618 | $4,493-86.2% | $5,423-88.6% | $5,403-88.6% |