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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 | $73,319 | $95,904-23.5% | $173,730-57.8% | $64,340+14.0% |
| Participation rate | 26.2% | 60.6%-34.4pp | 79.6%-53.4pp | 55.2%-29.1pp |
| Annual return | 14.01% | 17.47%-3.5pp | 19.96%-5.9pp | 24.14%-10.1pp |
| Employer contribution / active EE | $193 | $2,323-91.7% | $4,577-95.8% | $1,862-89.6% |
| Participant deferral / active EE | $1,737 | $3,488-50.2% | $6,326-72.5% | $2,980-41.7% |
| Admin fee / account holder | $15,309 | $5,089+200.8% | $17,523-12.6% | $3,703+313.5% |