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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 | $40,929 | $44,103-7.2% | $75,826-46.0% | $64,173-36.2% |
| Participation rate | 45.2% | 62.7%-17.6pp | 68.2%-23.1pp | 69.6%-24.4pp |
| Annual return | -8.20% | -4.72%-3.5pp | 1914.15%-1922.3pp | 7.63%-15.8pp |
| Employer contribution / active EE | $0 | $1,446-100.0% | $1,913-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,022 | $2,204-53.6% | $2,862-64.3% | $3,470-70.5% |
| Admin fee / account holder | $1,665 | $3,506-52.5% | $4,726-64.8% | $4,887-65.9% |