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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 | $28,431 | $39,798-28.6% | $67,704-58.0% | $59,633-52.3% |
| Participation rate | 60.5% | 57.4%+3.2pp | 67.5%-7.0pp | 68.7%-8.1pp |
| Annual return | -2.28% | 89.94%-92.2pp | 25.41%-27.7pp | 2041.45%-2043.7pp |
| Employer contribution / active EE | $0 | $1,393-100.0% | $2,559-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,079 | $2,335-11.0% | $3,585-42.0% | $3,192-34.9% |
| Admin fee / account holder | $2,137 | $3,212-33.5% | $4,255-49.8% | $4,297-50.3% |