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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 | $181,214 | $77,574+133.6% | $108,753+66.6% | $86,983+108.3% |
| Participation rate | 58.3% | 62.3%-4.0pp | 71.1%-12.8pp | 69.5%-11.2pp |
| Annual return | 11.91% | 18.42%-6.5pp | 37.47%-25.6pp | 25.83%-13.9pp |
| Employer contribution / active EE | $0 | $1,611-100.0% | $2,427-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $2,541 | $3,128-18.8% | $4,115-38.3% | $4,194-39.4% |
| Admin fee / account holder | $1,758 | $6,529-73.1% | $10,320-83.0% | $7,856-77.6% |