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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 | $184,383 | $199,109-7.4% | $173,730+6.1% | $154,746+19.2% |
| Participation rate | 45.0% | 82.8%-37.8pp | 79.6%-34.6pp | 80.7%-35.7pp |
| Annual return | 12.59% | 20.02%-7.4pp | 19.96%-7.4pp | 172.34%-159.7pp |
| Employer contribution / active EE | $462 | $5,311-91.3% | $4,577-89.9% | $4,379-89.4% |
| Participant deferral / active EE | $3,153 | $7,113-55.7% | $6,326-50.2% | $6,730-53.2% |
| Admin fee / account holder | $638 | $20,916-96.9% | $17,523-96.4% | $14,365-95.6% |