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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 | $66,216 | $81,504-18.8% | $102,437-35.4% | $80,959-18.2% |
| Participation rate | 50.0% | 66.9%-16.9pp | 74.5%-24.5pp | 67.7%-17.7pp |
| Annual return | 11.27% | 25.60%-14.3pp | 24.95%-13.7pp | 35.67%-24.4pp |
| Employer contribution / active EE | $683 | $3,104-78.0% | $3,871-82.3% | $2,757-75.2% |
| Participant deferral / active EE | $1,846 | $3,871-52.3% | $5,060-63.5% | $4,300-57.1% |
| Admin fee / account holder | $8,225 | $6,719+22.4% | $8,388-1.9% | $6,925+18.8% |