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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 | $62,400 | $61,660+1.2% | $80,022-22.0% | $64,173-2.8% |
| Participation rate | 69.1% | 71.7%-2.6pp | 75.8%-6.7pp | 69.6%-0.4pp |
| Annual return | -7.21% | -0.33%-6.9pp | 11.22%-18.4pp | 7.63%-14.8pp |
| Employer contribution / active EE | $0 | $1,810-100.0% | $2,468-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $7,762 | $2,968+161.5% | $3,686+110.6% | $3,470+123.7% |
| Admin fee / account holder | $826 | $5,417-84.8% | $6,521-87.3% | $4,887-83.1% |