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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 | $39,905 | $25,014+59.5% | $69,623-42.7% | $80,935-50.7% |
| Participation rate | 21.6% | 64.2%-42.6pp | 66.4%-44.8pp | 67.7%-46.0pp |
| Annual return | 12.75% | 19.08%-6.3pp | 101.23%-88.5pp | 35.66%-22.9pp |
| Employer contribution / active EE | $0 | $991-100.0% | $1,709-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $996 | $1,840-45.9% | $2,890-65.5% | $4,299-76.8% |
| Admin fee / account holder | $536 | $2,491-78.5% | $4,696-88.6% | $6,924-92.3% |