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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 | $29,360 | $71,878-59.2% | $86,698-66.1% | $68,486-57.1% |
| Participation rate | 45.7% | 72.2%-26.5pp | 76.6%-30.8pp | 67.9%-22.1pp |
| Annual return | -14.02% | 3.53%-17.6pp | 35.95%-50.0pp | -7.85%-6.2pp |
| Employer contribution / active EE | $454 | $2,173-79.1% | $2,837-84.0% | $2,597-82.5% |
| Participant deferral / active EE | $1,903 | $3,779-49.7% | $4,656-59.1% | $4,028-52.8% |
| Admin fee / account holder | $6,937 | $6,113+13.5% | $7,493-7.4% | $5,404+28.4% |