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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 | $121,245 | $64,359+88.4% | $90,161+34.5% | $70,126+72.9% |
| Participation rate | 68.0% | 70.4%-2.4pp | 76.9%-8.9pp | 69.5%-1.5pp |
| Annual return | 19.40% | 28.13%-8.7pp | 34.89%-15.5pp | 73.15%-53.7pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $9,611 | $4,389+119.0% | $5,287+81.8% | $3,332+188.5% |
| Admin fee / account holder | $2,643 | $3,945-33.0% | $5,943-55.5% | $4,645-43.1% |