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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 | $59,195 | $81,504-27.4% | $102,437-42.2% | $80,959-26.9% |
| Participation rate | 63.8% | 66.9%-3.1pp | 74.5%-10.7pp | 67.7%-3.9pp |
| Annual return | 11.51% | 25.60%-14.1pp | 24.95%-13.4pp | 35.67%-24.2pp |
| Employer contribution / active EE | $500 | $3,104-83.9% | $3,871-87.1% | $2,757-81.8% |
| Participant deferral / active EE | $4,432 | $3,871+14.5% | $5,060-12.4% | $4,300+3.1% |
| Admin fee / account holder | $10,897 | $6,719+62.2% | $8,388+29.9% | $6,925+57.4% |