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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 | $62,955 | $81,334-22.6% | $113,397-44.5% | $64,097-1.8% |
| Participation rate | 68.4% | 65.6%+2.8pp | 76.5%-8.1pp | 55.2%+13.2pp |
| Annual return | 14.40% | 32.50%-18.1pp | 23.20%-8.8pp | 34.64%-20.2pp |
| Employer contribution / active EE | $269 | $2,077-87.0% | $2,977-91.0% | $1,891-85.8% |
| Participant deferral / active EE | $2,691 | $3,795-29.1% | $5,076-47.0% | $3,080-12.6% |
| Admin fee / account holder | $2,503 | $4,208-40.5% | $11,957-79.1% | $3,454-27.5% |