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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 | $103,462 | $101,778+1.7% | $164,975-37.3% | $80,925+27.8% |
| Participation rate | 27.5% | 71.8%-44.4pp | 78.6%-51.1pp | 67.7%-40.2pp |
| Annual return | 12.28% | 16.73%-4.4pp | 70.12%-57.8pp | 35.65%-23.4pp |
| Employer contribution / active EE | $336 | $2,954-88.6% | $4,343-92.3% | $2,756-87.8% |
| Participant deferral / active EE | $2,096 | $4,477-53.2% | $6,033-65.3% | $4,299-51.2% |
| Admin fee / account holder | $3,314 | $8,221-59.7% | $12,688-73.9% | $6,940-52.2% |