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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 | $71,205 | $63,809+11.6% | $81,353-12.5% | $80,935-12.0% |
| Participation rate | 48.7% | 63.9%-15.2pp | 69.5%-20.8pp | 67.7%-18.9pp |
| Annual return | 10.99% | 16.37%-5.4pp | 24.82%-13.8pp | 35.66%-24.7pp |
| Employer contribution / active EE | $346 | $1,981-82.5% | $2,464-86.0% | $2,757-87.4% |
| Participant deferral / active EE | $3,915 | $3,093+26.6% | $3,885+0.8% | $4,299-9.0% |
| Admin fee / account holder | $7,950 | $5,686+39.8% | $5,766+37.9% | $6,924+14.8% |