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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 | $82,534 | $65,027+26.9% | $90,970-9.3% | $79,852+3.4% |
| Participation rate | 46.8% | 61.6%-14.9pp | 69.0%-22.3pp | 69.6%-22.9pp |
| Annual return | 11.12% | 30.45%-19.3pp | 134.58%-123.5pp | 31.72%-20.6pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,752 | $2,512+9.5% | $3,373-18.4% | $3,740-26.4% |
| Admin fee / account holder | $21,390 | $4,535+371.6% | $5,960+258.9% | $5,306+303.1% |