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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 | $35,498 | $75,962-53.3% | $154,111-77.0% | $64,173-44.7% |
| Participation rate | 34.3% | 70.4%-36.1pp | 83.0%-48.7pp | 69.6%-35.2pp |
| Annual return | 11.71% | 30.32%-18.6pp | 735.18%-723.5pp | 7.63%+4.1pp |
| Employer contribution / active EE | $251 | $3,350-92.5% | $5,298-95.3% | $2,381-89.5% |
| Participant deferral / active EE | $993 | $3,175-68.7% | $5,081-80.5% | $3,470-71.4% |
| Admin fee / account holder | $6,911 | $5,589+23.7% | $13,411-48.5% | $4,887+41.4% |