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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 | $21,720 | $56,339-61.4% | $104,301-79.2% | $68,495-68.3% |
| Participation rate | 38.5% | 63.3%-24.8pp | 73.3%-34.8pp | 67.9%-29.4pp |
| Annual return | -19.20% | -9.19%-10.0pp | 24.61%-43.8pp | -7.84%-11.4pp |
| Employer contribution / active EE | $0 | $1,960-100.0% | $3,373-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,061 | $3,077-33.0% | $4,626-55.5% | $4,028-48.8% |
| Admin fee / account holder | $402 | $4,902-91.8% | $7,340-94.5% | $5,403-92.6% |