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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 | $31,826 | $78,690-59.6% | $161,489-80.3% | $87,485-63.6% |
| Participation rate | 52.5% | 67.5%-15.0pp | 78.7%-26.2pp | 68.9%-16.4pp |
| Annual return | 42.32% | 32.74%+9.6pp | 89.72%-47.4pp | 26.06%+16.3pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,333 | $3,311-29.5% | $5,630-58.6% | $4,274-45.4% |
| Admin fee / account holder | $965 | $6,724-85.6% | $16,006-94.0% | $7,775-87.6% |