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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 | $201,431 | $184,014+9.5% | $161,149+25.0% | $138,895+45.0% |
| Participation rate | 58.8% | 82.1%-23.3pp | 78.8%-20.0pp | 79.9%-21.1pp |
| Annual return | 14.81% | 21.52%-6.7pp | 21.16%-6.3pp | 145.39%-130.6pp |
| Employer contribution / active EE | $613 | $5,055-87.9% | $4,360-85.9% | $4,194-85.4% |
| Participant deferral / active EE | $5,200 | $6,909-24.7% | $6,153-15.5% | $6,396-18.7% |
| Admin fee / account holder | $13,815 | $18,027-23.4% | $15,194-9.1% | $12,562+10.0% |