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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 | $74,994 | $86,940-13.7% | $102,434-26.8% | $80,935-7.3% |
| Participation rate | 47.6% | 72.4%-24.8pp | 76.5%-28.9pp | 67.7%-20.0pp |
| Annual return | 21.75% | 18.89%+2.9pp | 29.46%-7.7pp | 35.66%-13.9pp |
| Employer contribution / active EE | $576 | $2,370-75.7% | $3,023-81.0% | $2,757-79.1% |
| Participant deferral / active EE | $2,529 | $4,121-38.6% | $5,055-50.0% | $4,299-41.2% |
| Admin fee / account holder | $11,879 | $8,047+47.6% | $9,462+25.5% | $6,924+71.6% |