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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $68,418 | $65,712+4.1% | $57,196+19.6% | $273,972-75.0% |
| Participation rate | 57.1% | 78.3%-21.2pp | 75.3%-18.2pp | 83.0%-25.9pp |
| Annual return | 6.89% | 22.01%-15.1pp | 14.59%-7.7pp | 41.46%-34.6pp |
| Employer contribution / active EE | $385 | $3,280-88.3% | $2,683-85.6% | $4,869-92.1% |
| Participant deferral / active EE | $602 | $3,782-84.1% | $3,096-80.6% | $5,287-88.6% |
| Admin fee / account holder | $741 | $4,838-84.7% | $3,141-76.4% | $10,133-92.7% |