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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 | $50,435 | $87,834-42.6% | $133,975-62.4% | $62,881-19.8% |
| Participation rate | 65.0% | 83.4%-18.4pp | 87.1%-22.1pp | 69.3%-4.3pp |
| Annual return | 28.51% | 12.05%+16.5pp | 29.29%-0.8pp | 20.14%+8.4pp |
| Employer contribution / active EE | $0 | $3,482-100.0% | $5,211-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $8,956 | $4,812+86.1% | $6,282+42.6% | $3,203+179.6% |
| Admin fee / account holder | $15,760 | $5,372+193.3% | $9,324+69.0% | $4,296+266.9% |