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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 | $118,290 | $86,919+36.1% | $102,457+15.5% | $80,911+46.2% |
| Participation rate | 52.6% | 72.4%-19.7pp | 76.5%-23.9pp | 67.6%-15.0pp |
| Annual return | 14.55% | 18.90%-4.3pp | 29.41%-14.9pp | 35.63%-21.1pp |
| Employer contribution / active EE | $0 | $2,368-100.0% | $3,022-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,141 | $4,119-23.7% | $5,054-37.9% | $4,297-26.9% |
| Admin fee / account holder | $4,931 | $8,049-38.7% | $9,451-47.8% | $6,935-28.9% |