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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 | $70,472 | $72,486-2.8% | $87,103-19.1% | $72,976-3.4% |
| Participation rate | 68.5% | 72.8%-4.3pp | 76.9%-8.4pp | 69.5%-1.0pp |
| Annual return | 24.99% | 24.46%+0.5pp | 28.19%-3.2pp | 81.02%-56.0pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,043 | $3,270+23.7% | $4,049-0.1% | $3,608+12.1% |
| Admin fee / account holder | $2,140 | $5,055-57.7% | $7,491-71.4% | $5,124-58.2% |