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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 | $57,286 | $52,279+9.6% | $89,435-35.9% | $79,856-28.3% |
| Participation rate | 64.5% | 57.5%+7.0pp | 68.0%-3.5pp | 69.6%-5.1pp |
| Annual return | 14.77% | 22.16%-7.4pp | 245.55%-230.8pp | 31.71%-16.9pp |
| Employer contribution / active EE | $0 | $1,572-100.0% | $2,587-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,580 | $2,740+30.6% | $3,890-8.0% | $3,741-4.3% |
| Admin fee / account holder | $1,493 | $3,356-55.5% | $4,884-69.4% | $5,306-71.9% |