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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 | $132,479 | $102,385+29.4% | $147,080-9.9% | $80,935+63.7% |
| Participation rate | 44.4% | 75.9%-31.4pp | 82.2%-37.7pp | 67.7%-23.2pp |
| Annual return | 12.32% | 135.09%-122.8pp | 420.17%-407.9pp | 35.66%-23.3pp |
| Employer contribution / active EE | $371 | $3,717-90.0% | $4,933-92.5% | $2,757-86.5% |
| Participant deferral / active EE | $3,783 | $6,651-43.1% | $8,066-53.1% | $4,299-12.0% |
| Admin fee / account holder | $19,552 | $7,951+145.9% | $12,989+50.5% | $6,924+182.4% |