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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 | $27,408 | $59,813-54.2% | $79,580-65.6% | $68,486-60.0% |
| Participation rate | 37.2% | 61.1%-23.9pp | 69.5%-32.3pp | 67.9%-30.7pp |
| Annual return | -6.07% | -12.30%+6.2pp | 0.15%-6.2pp | -7.85%+1.8pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,413-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,058 | $3,024-32.0% | $3,985-48.4% | $4,028-48.9% |
| Admin fee / account holder | $1,989 | $4,835-58.9% | $6,835-70.9% | $5,404-63.2% |