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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 | $68,891 | $67,602+1.9% | $82,312-16.3% | $70,126-1.8% |
| Participation rate | 44.0% | 72.8%-28.8pp | 76.9%-32.9pp | 69.5%-25.5pp |
| Annual return | 18.23% | 21.57%-3.3pp | 25.88%-7.6pp | 73.15%-54.9pp |
| Employer contribution / active EE | $166 | $1,755-90.5% | $2,428-93.2% | $2,343-92.9% |
| Participant deferral / active EE | $1,743 | $2,987-41.6% | $3,706-53.0% | $3,332-47.7% |
| Admin fee / account holder | $1,580 | $4,512-65.0% | $5,608-71.8% | $4,645-66.0% |