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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 | $81,320 | $70,486+15.4% | $100,528-19.1% | $79,852+1.8% |
| Participation rate | 62.1% | 73.6%-11.6pp | 79.4%-17.3pp | 69.6%-7.6pp |
| Annual return | 15.07% | 21.90%-6.8pp | 30.90%-15.8pp | 31.72%-16.6pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $5,795 | $5,182+11.8% | $6,271-7.6% | $3,740+54.9% |
| Admin fee / account holder | $7,153 | $4,480+59.7% | $8,084-11.5% | $5,306+34.8% |