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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 | $64,418 | $50,082+28.6% | $93,515-31.1% | $79,856-19.3% |
| Participation rate | 44.6% | 60.9%-16.3pp | 66.8%-22.2pp | 69.6%-25.0pp |
| Annual return | 17.21% | 24.59%-7.4pp | 78.21%-61.0pp | 31.71%-14.5pp |
| Employer contribution / active EE | $0 | $1,303-100.0% | $2,077-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,097 | $2,212-50.4% | $3,129-64.9% | $3,741-70.7% |
| Admin fee / account holder | $1,212 | $3,454-64.9% | $5,235-76.8% | $5,306-77.2% |