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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 | $40,431 | $57,352-29.5% | $83,831-51.8% | $64,173-37.0% |
| Participation rate | 30.2% | 68.6%-38.4pp | 76.1%-45.9pp | 69.6%-39.3pp |
| Annual return | -6.00% | 11.38%-17.4pp | 850.99%-857.0pp | 7.63%-13.6pp |
| Employer contribution / active EE | $457 | $2,546-82.1% | $3,631-87.4% | $2,381-80.8% |
| Participant deferral / active EE | $2,329 | $2,993-22.2% | $4,082-43.0% | $3,470-32.9% |
| Admin fee / account holder | $802 | $4,046-80.2% | $5,479-85.4% | $4,887-83.6% |