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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $45,237 | $65,704-31.2% | $94,229-52.0% | $59,633-24.1% |
| Participation rate | 38.5% | 72.1%-33.7pp | 78.8%-40.3pp | 68.7%-30.2pp |
| Annual return | -2.31% | 5.22%-7.5pp | 10.68%-13.0pp | 2041.45%-2043.8pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $3,587-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,221 | $3,143-61.1% | $4,320-71.7% | $3,192-61.7% |
| Admin fee / account holder | $6,945 | $4,265+62.9% | $6,269+10.8% | $4,297+61.6% |