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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 | $90,321 | $59,123+52.8% | $77,183+17.0% | $75,181+20.1% |
| Participation rate | 33.3% | 63.9%-30.5pp | 69.6%-36.2pp | 67.2%-33.9pp |
| Annual return | 21.07% | 26.72%-5.6pp | 37.89%-16.8pp | 160.69%-139.6pp |
| Employer contribution / active EE | $166 | $1,996-91.7% | $2,534-93.5% | $2,671-93.8% |
| Participant deferral / active EE | $1,401 | $2,999-53.3% | $3,833-63.4% | $4,126-66.0% |
| Admin fee / account holder | $1,740 | $4,776-63.6% | $5,475-68.2% | $5,650-69.2% |