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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 | $101,824 | $59,839+70.2% | $81,991+24.2% | $79,852+27.5% |
| Participation rate | 68.4% | 61.6%+6.8pp | 69.3%-0.8pp | 69.6%-1.2pp |
| Annual return | 18.09% | 17.56%+0.5pp | 41.31%-23.2pp | 31.72%-13.6pp |
| Employer contribution / active EE | $0 | $1,713-100.0% | $2,498-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,520 | $2,695-6.5% | $3,722-32.3% | $3,740-32.6% |
| Admin fee / account holder | $2,682 | $4,287-37.5% | $5,665-52.7% | $5,306-49.5% |