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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 | $52,164 | $65,364-20.2% | $92,909-43.9% | $72,975-28.5% |
| Participation rate | 64.3% | 68.3%-4.0pp | 76.0%-11.7pp | 69.5%-5.2pp |
| Annual return | 20.36% | 42.11%-21.7pp | 109.44%-89.1pp | 81.01%-60.6pp |
| Employer contribution / active EE | $577 | $2,594-77.8% | $3,653-84.2% | $2,440-76.4% |
| Participant deferral / active EE | $2,605 | $3,128-16.7% | $4,238-38.5% | $3,608-27.8% |
| Admin fee / account holder | $6,196 | $4,251+45.8% | $5,795+6.9% | $5,124+20.9% |