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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $20,439 | $58,311-64.9% | $81,882-75.0% | $80,959-74.8% |
| Participation rate | 9.7% | 63.5%-53.8pp | 72.4%-62.7pp | 67.7%-58.0pp |
| Annual return | 6.33% | 41.85%-35.5pp | 779.47%-773.1pp | 35.67%-29.3pp |
| Employer contribution / active EE | $240 | $2,347-89.8% | $2,916-91.8% | $2,757-91.3% |
| Participant deferral / active EE | $745 | $3,287-77.3% | $4,323-82.8% | $4,300-82.7% |
| Admin fee / account holder | $17,395 | $4,752+266.0% | $7,360+136.4% | $6,925+151.2% |