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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 | $87,356 | $69,977+24.8% | $108,582-19.5% | $62,881+38.9% |
| Participation rate | 45.2% | 72.9%-27.7pp | 79.6%-34.4pp | 69.3%-24.1pp |
| Annual return | 7.04% | 10.73%-3.7pp | -51.70%+58.7pp | 20.14%-13.1pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,799 | $3,165-11.5% | $4,311-35.1% | $3,203-12.6% |
| Admin fee / account holder | $8,717 | $5,076+71.7% | $7,645+14.0% | $4,296+102.9% |