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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 | $58,743 | $34,316+71.2% | $74,719-21.4% | $72,983-19.5% |
| Participation rate | 46.4% | 42.4%+4.0pp | 54.5%-8.0pp | 69.5%-23.1pp |
| Annual return | 18.06% | 26.58%-8.5pp | 753.05%-735.0pp | 81.01%-62.9pp |
| Employer contribution / active EE | $0 | $692-100.0% | $1,084-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,719 | $1,272+271.1% | $1,963+140.3% | $3,608+30.8% |
| Admin fee / account holder | $15,168 | $2,125+613.9% | $3,334+354.9% | $5,124+196.0% |