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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 | $81,476-27.3% | $102,383-42.2% | $80,925-26.9% |
| Participation rate | 63.8% | 66.8%-3.1pp | 74.5%-10.7pp | 67.7%-3.9pp |
| Annual return | 11.51% | 25.59%-14.1pp | 24.94%-13.4pp | 35.65%-24.1pp |
| Employer contribution / active EE | $500 | $3,105-83.9% | $3,870-87.1% | $2,756-81.8% |
| Participant deferral / active EE | $4,432 | $3,871+14.5% | $5,060-12.4% | $4,299+3.1% |
| Admin fee / account holder | $10,897 | $6,717+62.2% | $8,391+29.9% | $6,940+57.0% |