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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 | $123,960 | $106,247+16.7% | $96,515+28.4% | $139,466-11.1% |
| Participation rate | 26.1% | 77.8%-51.8pp | 74.3%-48.3pp | 80.3%-54.2pp |
| Annual return | 14.49% | 38.47%-24.0pp | 35.73%-21.2pp | 373.66%-359.2pp |
| Employer contribution / active EE | $577 | $4,106-86.0% | $3,740-84.6% | $4,754-87.9% |
| Participant deferral / active EE | $3,014 | $5,456-44.8% | $4,880-38.2% | $6,712-55.1% |
| Admin fee / account holder | $1,731 | $7,885-78.0% | $6,735-74.3% | $11,409-84.8% |