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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 | $55,536 | $43,730+27.0% | $66,674-16.7% | $64,097-13.4% |
| Participation rate | 38.2% | 50.7%-12.6pp | 73.7%-35.5pp | 55.2%-17.0pp |
| Annual return | 12.44% | 53.62%-41.2pp | 321.24%-308.8pp | 34.64%-22.2pp |
| Employer contribution / active EE | $0 | $1,673-100.0% | $2,620-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $2,398 | $2,122+13.0% | $4,084-41.3% | $3,080-22.1% |
| Admin fee / account holder | $5,052 | $2,708+86.6% | $5,098-0.9% | $3,454+46.2% |