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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 | $80,709 | $86,940-7.2% | $102,434-21.2% | $80,935-0.3% |
| Participation rate | 54.5% | 72.4%-17.8pp | 76.5%-22.0pp | 67.7%-13.1pp |
| Annual return | 13.07% | 18.89%-5.8pp | 29.46%-16.4pp | 35.66%-22.6pp |
| Employer contribution / active EE | $464 | $2,370-80.4% | $3,023-84.7% | $2,757-83.2% |
| Participant deferral / active EE | $3,611 | $4,121-12.4% | $5,055-28.6% | $4,299-16.0% |
| Admin fee / account holder | $9,642 | $8,047+19.8% | $9,462+1.9% | $6,924+39.2% |