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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 | $43,853 | $53,063-17.4% | $124,206-64.7% | $82,637-46.9% |
| Participation rate | 28.3% | 58.4%-30.1pp | 69.6%-41.3pp | 68.1%-39.8pp |
| Annual return | 13.25% | 68.87%-55.6pp | 515.27%-502.0pp | 53.51%-40.3pp |
| Employer contribution / active EE | $0 | $1,530-100.0% | $3,540-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,754 | $2,644-33.7% | $3,968-55.8% | $4,126-57.5% |
| Admin fee / account holder | $321 | $4,281-92.5% | $5,929-94.6% | $7,339-95.6% |