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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 | $20,507 | $51,736-60.4% | $120,225-82.9% | $67,986-69.8% |
| Participation rate | 29.5% | 46.1%-16.6pp | 69.6%-40.1pp | 57.2%-27.8pp |
| Annual return | 19.38% | 31.98%-12.6pp | 439.23%-419.8pp | 31.67%-12.3pp |
| Employer contribution / active EE | $0 | $1,071-100.0% | $3,475-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,495 | $2,206-32.2% | $3,999-62.6% | $3,358-55.5% |
| Admin fee / account holder | $1,128 | $4,159-72.9% | $5,696-80.2% | $3,203-64.8% |