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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 | $120,964 | $98,766+22.5% | $149,730-19.2% | $79,852+51.5% |
| Participation rate | 68.9% | 75.8%-6.9pp | 82.5%-13.6pp | 69.6%-0.7pp |
| Annual return | 18.59% | 27.43%-8.8pp | 276.70%-258.1pp | 31.72%-13.1pp |
| Employer contribution / active EE | $283 | $3,217-91.2% | $4,645-93.9% | $2,471-88.5% |
| Participant deferral / active EE | $4,553 | $5,681-19.8% | $6,843-33.5% | $3,740+21.7% |
| Admin fee / account holder | $3,059 | $6,052-49.5% | $9,310-67.1% | $5,306-42.3% |