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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 | $96,946 | $161,352-39.9% | $134,172-27.7% | $137,256-29.4% |
| Participation rate | 45.5% | 78.3%-32.8pp | 72.5%-27.0pp | 80.0%-34.5pp |
| Annual return | 15.64% | 28.72%-13.1pp | 25.30%-9.7pp | 220.34%-204.7pp |
| Employer contribution / active EE | $763 | $4,099-81.4% | $3,420-77.7% | $4,156-81.6% |
| Participant deferral / active EE | $3,716 | $5,552-33.1% | $4,690-20.8% | $6,407-42.0% |
| Admin fee / account holder | $37,209 | $15,028+147.6% | $12,016+209.7% | $12,270+203.2% |