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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 | $91,459 | $101,795-10.2% | $165,100-44.6% | $80,959+13.0% |
| Participation rate | 64.7% | 71.8%-7.1pp | 78.6%-13.9pp | 67.7%-3.0pp |
| Annual return | 10.80% | 16.73%-5.9pp | 70.21%-59.4pp | 35.67%-24.9pp |
| Employer contribution / active EE | $518 | $2,954-82.4% | $4,348-88.1% | $2,757-81.2% |
| Participant deferral / active EE | $2,279 | $4,476-49.1% | $6,035-62.2% | $4,300-47.0% |
| Admin fee / account holder | $1,556 | $8,221-81.1% | $12,696-87.7% | $6,925-77.5% |