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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 | $90,052 | $45,872+96.3% | $77,096+16.8% | $68,486+31.5% |
| Participation rate | 25.8% | 55.9%-30.1pp | 67.9%-42.2pp | 67.9%-42.1pp |
| Annual return | 23.03% | 1.73%+21.3pp | 42.35%-19.3pp | -7.85%+30.9pp |
| Employer contribution / active EE | $156 | $1,650-90.6% | $2,814-94.5% | $2,597-94.0% |
| Participant deferral / active EE | $1,416 | $2,963-52.2% | $4,429-68.0% | $4,028-64.8% |
| Admin fee / account holder | $1,848 | $3,041-39.2% | $5,428-66.0% | $5,404-65.8% |