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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 | $52,280 | $64,719-19.2% | $112,249-53.4% | $68,486-23.7% |
| Participation rate | 66.7% | 67.2%-0.5pp | 75.1%-8.4pp | 67.9%-1.2pp |
| Annual return | -10.02% | -11.40%+1.4pp | 27.48%-37.5pp | -7.85%-2.2pp |
| Employer contribution / active EE | $370 | $2,747-86.5% | $3,636-89.8% | $2,597-85.8% |
| Participant deferral / active EE | $2,420 | $3,565-32.1% | $4,729-48.8% | $4,028-39.9% |
| Admin fee / account holder | $3,006 | $5,232-42.6% | $6,412-53.1% | $5,404-44.4% |