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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 | $105,089 | $114,712-8.4% | $173,730-39.5% | $87,485+20.1% |
| Participation rate | 32.6% | 73.0%-40.4pp | 79.6%-47.0pp | 68.9%-36.3pp |
| Annual return | 22.93% | 20.18%+2.7pp | 19.96%+3.0pp | 26.06%-3.1pp |
| Employer contribution / active EE | $365 | $2,904-87.4% | $4,577-92.0% | $2,596-85.9% |
| Participant deferral / active EE | $2,366 | $4,642-49.0% | $6,326-62.6% | $4,274-44.6% |
| Admin fee / account holder | $2,242 | $10,210-78.0% | $17,523-87.2% | $7,775-71.2% |