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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 | $62,348 | $75,058-16.9% | $152,301-59.1% | $64,340-3.1% |
| Participation rate | 69.7% | 60.9%+8.8pp | 82.4%-12.7pp | 55.2%+14.5pp |
| Annual return | 32.07% | 29.93%+2.1pp | 80.50%-48.4pp | 24.14%+7.9pp |
| Employer contribution / active EE | $4 | $2,605-99.9% | $4,624-99.9% | $1,862-99.8% |
| Participant deferral / active EE | $12,136 | $5,041+140.7% | $8,004+51.6% | $2,980+307.2% |
| Admin fee / account holder | $4,951 | $4,050+22.2% | $14,398-65.6% | $3,703+33.7% |