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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 | $58,021 | $91,086-36.3% | $203,872-71.5% | $86,983-33.3% |
| Participation rate | 48.0% | 65.8%-17.8pp | 77.8%-29.8pp | 69.5%-21.5pp |
| Annual return | 17.25% | 22.30%-5.0pp | 85.11%-67.9pp | 25.83%-8.6pp |
| Employer contribution / active EE | $0 | $2,063-100.0% | $3,757-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $3,494 | $4,019-13.1% | $6,388-45.3% | $4,194-16.7% |
| Admin fee / account holder | $749 | $8,987-91.7% | $11,730-93.6% | $7,856-90.5% |