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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 | $152,388 | $124,330+22.6% | $109,173+39.6% | $167,536-9.0% |
| Participation rate | 39.1% | 79.5%-40.3pp | 75.9%-36.7pp | 82.1%-43.0pp |
| Annual return | 17.03% | 26.04%-9.0pp | 25.75%-8.7pp | 478.82%-461.8pp |
| Employer contribution / active EE | $278 | $4,209-93.4% | $3,723-92.5% | $4,839-94.3% |
| Participant deferral / active EE | $1,920 | $5,256-63.5% | $4,654-58.7% | $6,342-69.7% |
| Admin fee / account holder | $4,851 | $7,974-39.2% | $6,755-28.2% | $12,315-60.6% |