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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 | $137,783 | $56,918+142.1% | $182,531-24.5% | $65,185+111.4% |
| Participation rate | 22.9% | 66.5%-43.6pp | 78.0%-55.1pp | 70.2%-47.3pp |
| Annual return | 23.36% | 27.67%-4.3pp | 148.57%-125.2pp | 29.38%-6.0pp |
| Employer contribution / active EE | $0 | $1,615-100.0% | $4,075-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $2,293 | $3,526-35.0% | $5,525-58.5% | $3,514-34.7% |
| Admin fee / account holder | $3,612 | $531+580.0% | $8,593-58.0% | $847+326.3% |