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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 | $119,803 | $73,787+62.4% | $98,716+21.4% | $82,448+45.3% |
| Participation rate | 38.2% | 61.4%-23.2pp | 69.3%-31.1pp | 68.1%-29.8pp |
| Annual return | 12.52% | 18.57%-6.0pp | 31.81%-19.3pp | 41.64%-29.1pp |
| Employer contribution / active EE | $298 | $1,511-80.3% | $2,279-86.9% | $2,551-88.3% |
| Participant deferral / active EE | $2,321 | $3,081-24.7% | $4,048-42.7% | $4,139-43.9% |
| Admin fee / account holder | $14,595 | $6,500+124.5% | $8,703+67.7% | $7,234+101.7% |