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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 | $100,232 | $43,075+132.7% | $74,577+34.4% | $62,881+59.4% |
| Participation rate | 65.4% | 58.1%+7.3pp | 68.1%-2.7pp | 69.3%-3.9pp |
| Annual return | 11.25% | 17.50%-6.3pp | 20.47%-9.2pp | 20.14%-8.9pp |
| Employer contribution / active EE | $0 | $1,498-100.0% | $2,525-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $9,957 | $2,389+316.7% | $3,458+187.9% | $3,203+210.9% |
| Admin fee / account holder | $2,990 | $2,840+5.3% | $4,138-27.7% | $4,296-30.4% |