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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 | $77,167 | $60,349+27.9% | $74,184+4.0% | $62,881+22.7% |
| Participation rate | 65.7% | 72.7%-7.0pp | 76.6%-10.9pp | 69.3%-3.6pp |
| Annual return | 6.12% | 21.38%-15.3pp | 17.74%-11.6pp | 20.14%-14.0pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $5,798 | $2,856+103.0% | $3,550+63.3% | $3,203+81.0% |
| Admin fee / account holder | $424 | $4,261-90.0% | $5,586-92.4% | $4,296-90.1% |