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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 | $189,292 | $146,267+29.4% | $197,124-4.0% | $82,448+129.6% |
| Participation rate | 58.1% | 84.0%-26.0pp | 86.7%-28.6pp | 68.1%-10.0pp |
| Annual return | 13.64% | 29.61%-16.0pp | 44.34%-30.7pp | 41.64%-28.0pp |
| Employer contribution / active EE | $0 | $4,723-100.0% | $6,227-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $6,887 | $7,035-2.1% | $9,135-24.6% | $4,139+66.4% |
| Admin fee / account holder | $17,982 | $14,422+24.7% | $16,298+10.3% | $7,234+148.6% |