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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 | $129,417 | $99,032+30.7% | $80,022+61.7% | $135,380-4.4% |
| Participation rate | 43.8% | 78.4%-34.6pp | 75.8%-32.1pp | 82.6%-38.9pp |
| Annual return | -2.10% | 15.39%-17.5pp | 11.22%-13.3pp | 519.81%-521.9pp |
| Employer contribution / active EE | $0 | $3,043-100.0% | $2,468-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $1,304 | $4,282-69.6% | $3,686-64.6% | $5,609-76.8% |
| Admin fee / account holder | $3,169 | $10,436-69.6% | $6,521-51.4% | $10,828-70.7% |