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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 | $81,098 | $87,180-7.0% | $173,703-53.3% | $94,015-13.7% |
| Participation rate | 23.5% | 65.6%-42.1pp | 75.9%-52.4pp | 70.8%-47.4pp |
| Annual return | 15.67% | 14.17%+1.5pp | 17.46%-1.8pp | 17.84%-2.2pp |
| Employer contribution / active EE | $229 | $2,494-90.8% | $4,288-94.7% | $2,790-91.8% |
| Participant deferral / active EE | $1,794 | $3,343-46.3% | $4,854-63.0% | $4,249-57.8% |
| Admin fee / account holder | $5,696 | $7,506-24.1% | $15,562-63.4% | $8,951-36.4% |