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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 | $79,539 | $86,949-8.5% | $102,460-22.4% | $80,959-1.8% |
| Participation rate | 60.2% | 72.4%-12.1pp | 76.5%-16.3pp | 67.7%-7.4pp |
| Annual return | 16.09% | 18.89%-2.8pp | 29.47%-13.4pp | 35.67%-19.6pp |
| Employer contribution / active EE | $643 | $2,370-72.9% | $3,025-78.7% | $2,757-76.7% |
| Participant deferral / active EE | $3,796 | $4,121-7.9% | $5,056-24.9% | $4,300-11.7% |
| Admin fee / account holder | $834 | $8,048-89.6% | $9,460-91.2% | $6,925-88.0% |