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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 | $115,222 | $185,141-37.8% | $153,416-24.9% | $155,188-25.8% |
| Participation rate | 68.2% | 79.9%-11.7pp | 74.3%-6.2pp | 80.8%-12.6pp |
| Annual return | 11.92% | 18.72%-6.8pp | 17.84%-5.9pp | 148.84%-136.9pp |
| Employer contribution / active EE | $753 | $4,489-83.2% | $3,764-80.0% | $4,248-82.3% |
| Participant deferral / active EE | $3,181 | $5,477-41.9% | $4,723-32.7% | $6,531-51.3% |
| Admin fee / account holder | $5,370 | $16,005-66.4% | $13,095-59.0% | $14,480-62.9% |