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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 | $78,429 | $76,696+2.3% | $96,515-18.7% | $71,511+9.7% |
| Participation rate | 48.3% | 66.6%-18.3pp | 74.3%-26.1pp | 67.9%-19.7pp |
| Annual return | 23.01% | 48.32%-25.3pp | 35.73%-12.7pp | 28.86%-5.8pp |
| Employer contribution / active EE | $760 | $3,032-74.9% | $3,740-79.7% | $2,589-70.7% |
| Participant deferral / active EE | $6,745 | $3,770+78.9% | $4,880+38.2% | $4,291+57.2% |
| Admin fee / account holder | $2,864 | $2,030+41.1% | $6,735-57.5% | $1,588+80.3% |