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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 | $36,661 | $72,404-49.4% | $110,243-66.7% | $64,173-42.9% |
| Participation rate | 64.0% | 73.3%-9.3pp | 79.8%-15.8pp | 69.6%-5.6pp |
| Annual return | -7.04% | -6.29%-0.8pp | 314.76%-321.8pp | 7.63%-14.7pp |
| Employer contribution / active EE | $455 | $2,282-80.1% | $3,827-88.1% | $2,381-80.9% |
| Participant deferral / active EE | $2,942 | $3,469-15.2% | $4,672-37.0% | $3,470-15.2% |
| Admin fee / account holder | $1,156 | $5,664-79.6% | $8,548-86.5% | $4,887-76.4% |