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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 | $67,631 | $133,983-49.5% | $112,244-39.7% | $134,493-49.7% |
| Participation rate | 45.5% | 78.6%-33.1pp | 75.1%-29.6pp | 81.2%-35.8pp |
| Annual return | -17.53% | 47.13%-64.7pp | 27.46%-45.0pp | 418.01%-435.5pp |
| Employer contribution / active EE | $756 | $4,039-81.3% | $3,635-79.2% | $4,740-84.0% |
| Participant deferral / active EE | $1,551 | $5,291-70.7% | $4,728-67.2% | $6,400-75.8% |
| Admin fee / account holder | $4,649 | $7,490-37.9% | $6,411-27.5% | $11,425-59.3% |