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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 | $126,319 | $114,013+10.8% | $103,693+21.8% | $155,188-18.6% |
| Participation rate | 14.3% | 75.2%-60.9pp | 72.6%-58.4pp | 80.8%-66.5pp |
| Annual return | 14.28% | 49.31%-35.0pp | 47.61%-33.3pp | 148.84%-134.6pp |
| Employer contribution / active EE | $0 | $3,131-100.0% | $2,920-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $1,099 | $4,970-77.9% | $4,579-76.0% | $6,531-83.2% |
| Admin fee / account holder | $4,054 | $8,407-51.8% | $7,858-48.4% | $14,480-72.0% |