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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 | $76,818 | $55,449+38.5% | $83,830-8.4% | $56,287+36.5% |
| Participation rate | 45.5% | 68.0%-22.5pp | 76.1%-30.6pp | 69.9%-24.3pp |
| Annual return | -5.61% | -1.38%-4.2pp | 850.97%-856.6pp | -9.96%+4.3pp |
| Employer contribution / active EE | $440 | $2,430-81.9% | $3,631-87.9% | $2,111-79.2% |
| Participant deferral / active EE | $2,840 | $2,935-3.3% | $4,082-30.4% | $3,350-15.2% |
| Admin fee / account holder | $1,107 | $656+68.7% | $5,479-79.8% | $521+112.4% |