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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 | $40,079 | $58,714-31.7% | $142,874-71.9% | $85,856-53.3% |
| Participation rate | 24.6% | 58.5%-33.9pp | 72.0%-47.4pp | 69.3%-44.8pp |
| Annual return | 13.98% | 27.73%-13.8pp | 5638.58%-5624.6pp | 318.58%-304.6pp |
| Employer contribution / active EE | $115 | $1,423-91.9% | $4,145-97.2% | $2,565-95.5% |
| Participant deferral / active EE | $1,145 | $2,608-56.1% | $3,838-70.2% | $3,952-71.0% |
| Admin fee / account holder | $2,658 | $4,241-37.3% | $6,561-59.5% | $6,261-57.5% |