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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 | $83,355 | $67,411+23.7% | $91,004-8.4% | $70,126+18.9% |
| Participation rate | 53.3% | 71.4%-18.0pp | 75.6%-22.3pp | 69.5%-16.2pp |
| Annual return | 14.41% | -40.16%+54.6pp | 4.60%+9.8pp | 73.15%-58.7pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,331 | $2,823-17.4% | $3,548-34.3% | $3,332-30.0% |
| Admin fee / account holder | $3,503 | $4,236-17.3% | $5,417-35.3% | $4,645-24.6% |