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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 | $61,657 | $98,776-37.6% | $149,745-58.8% | $79,856-22.8% |
| Participation rate | 57.6% | 75.8%-18.2pp | 82.5%-24.9pp | 69.6%-12.0pp |
| Annual return | 12.84% | 27.38%-14.5pp | 276.72%-263.9pp | 31.71%-18.9pp |
| Employer contribution / active EE | $537 | $3,217-83.3% | $4,646-88.4% | $2,471-78.3% |
| Participant deferral / active EE | $2,393 | $5,681-57.9% | $6,843-65.0% | $3,741-36.0% |
| Admin fee / account holder | $3,224 | $6,053-46.7% | $9,312-65.4% | $5,306-39.2% |