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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 | $44,626 | $94,439-52.7% | $73,658-39.4% | $154,746-71.2% |
| Participation rate | 60.0% | 64.7%-4.7pp | 57.0%+3.0pp | 80.7%-20.7pp |
| Annual return | 18.66% | 28.25%-9.6pp | 29.72%-11.1pp | 172.34%-153.7pp |
| Employer contribution / active EE | $0 | $1,257-100.0% | $1,032-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $6,511 | $2,527+157.6% | $2,062+215.8% | $6,730-3.3% |
| Admin fee / account holder | $7,015 | $3,843+82.5% | $3,357+109.0% | $14,365-51.2% |