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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 | $49,634 | $43,344+14.5% | $59,899-17.1% | $64,173-22.7% |
| Participation rate | 20.2% | 69.2%-48.9pp | 74.7%-54.5pp | 69.6%-49.3pp |
| Annual return | 4.66% | -1.55%+6.2pp | 3.46%+1.2pp | 7.63%-3.0pp |
| Employer contribution / active EE | $0 | $2,030-100.0% | $2,723-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,153 | $2,547-54.7% | $3,402-66.1% | $3,470-66.8% |
| Admin fee / account holder | $2,491 | $3,008-17.2% | $3,592-30.7% | $4,887-49.0% |