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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 | $79,116 | $123,478-35.9% | $216,567-63.5% | $94,015-15.8% |
| Participation rate | 64.7% | 75.1%-10.4pp | 81.6%-16.9pp | 70.8%-6.1pp |
| Annual return | 12.24% | 23.61%-11.4pp | 12.94%-0.7pp | 17.84%-5.6pp |
| Employer contribution / active EE | $549 | $3,136-82.5% | $5,216-89.5% | $2,790-80.3% |
| Participant deferral / active EE | $5,493 | $4,556+20.6% | $6,191-11.3% | $4,249+29.3% |
| Admin fee / account holder | $985 | $12,753-92.3% | $21,981-95.5% | $8,951-89.0% |