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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $43,019 | $43,730-1.6% | $121,220-64.5% | $64,173-33.0% |
| Participation rate | 13.8% | 58.3%-44.5pp | 71.8%-57.9pp | 69.6%-55.7pp |
| Annual return | -6.46% | 68.94%-75.4pp | 16.94%-23.4pp | 7.63%-14.1pp |
| Employer contribution / active EE | $0 | $1,297-100.0% | $4,023-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $551 | $2,281-75.8% | $3,345-83.5% | $3,470-84.1% |
| Admin fee / account holder | $423 | $3,502-87.9% | $5,021-91.6% | $4,887-91.3% |