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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 | $169,242 | $56,063+201.9% | $76,051+122.5% | $80,911+109.2% |
| Participation rate | 44.4% | 62.0%-17.6pp | 69.1%-24.6pp | 67.6%-23.2pp |
| Annual return | 20.36% | 20.54%-0.2pp | 360.42%-340.1pp | 35.63%-15.3pp |
| Employer contribution / active EE | $311 | $1,874-83.4% | $2,690-88.4% | $2,756-88.7% |
| Participant deferral / active EE | $2,382 | $3,052-22.0% | $4,257-44.1% | $4,297-44.6% |
| Admin fee / account holder | $477 | $5,240-90.9% | $6,416-92.6% | $6,935-93.1% |