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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 | $67,411 | $61,660+9.3% | $80,022-15.8% | $64,181+5.0% |
| Participation rate | 66.7% | 71.7%-5.0pp | 75.8%-9.2pp | 69.6%-2.9pp |
| Annual return | -6.82% | -0.33%-6.5pp | 11.22%-18.0pp | 7.63%-14.5pp |
| Employer contribution / active EE | -$75 | $1,810-104.2% | $2,468-103.0% | $2,381-103.2% |
| Participant deferral / active EE | $1,588 | $2,968-46.5% | $3,686-56.9% | $3,470-54.2% |
| Admin fee / account holder | $737 | $5,417-86.4% | $6,521-88.7% | $4,887-84.9% |