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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 | $115,508 | $95,404+21.1% | $113,397+1.9% | $82,637+39.8% |
| Participation rate | 48.7% | 72.8%-24.1pp | 76.5%-27.8pp | 68.1%-19.3pp |
| Annual return | 15.16% | 19.08%-3.9pp | 23.20%-8.0pp | 53.51%-38.3pp |
| Employer contribution / active EE | $97 | $2,307-95.8% | $2,977-96.7% | $2,552-96.2% |
| Participant deferral / active EE | $3,257 | $4,220-22.8% | $5,076-35.8% | $4,126-21.1% |
| Admin fee / account holder | $17,326 | $9,168+89.0% | $11,957+44.9% | $7,339+136.1% |