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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 | $144,340 | $181,896-20.6% | $156,551-7.8% | $273,972-47.3% |
| Participation rate | 60.0% | 88.4%-28.4pp | 84.0%-24.0pp | 83.0%-23.0pp |
| Annual return | 11.91% | 30.74%-18.8pp | 32.23%-20.3pp | 41.46%-29.5pp |
| Employer contribution / active EE | $1,156 | $6,248-81.5% | $5,501-79.0% | $4,869-76.2% |
| Participant deferral / active EE | $7,337 | $5,550+32.2% | $4,871+50.6% | $5,287+38.8% |
| Admin fee / account holder | $3,870 | $15,560-75.1% | $13,028-70.3% | $10,133-61.8% |