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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 | $21,024 | $77,908-73.0% | $149,696-86.0% | $75,173-72.0% |
| Participation rate | 25.0% | 65.6%-40.6pp | 78.8%-53.8pp | 67.2%-42.2pp |
| Annual return | 13.40% | 31.73%-18.3pp | 134.46%-121.1pp | 160.72%-147.3pp |
| Employer contribution / active EE | $265 | $3,138-91.6% | $4,821-94.5% | $2,671-90.1% |
| Participant deferral / active EE | $1,556 | $3,411-54.4% | $5,682-72.6% | $4,126-62.3% |
| Admin fee / account holder | $576 | $5,950-90.3% | $13,212-95.6% | $5,651-89.8% |