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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 | $53,117 | $52,678+0.8% | $75,784-29.9% | $59,633-10.9% |
| Participation rate | 52.2% | 67.2%-15.1pp | 75.8%-23.6pp | 68.7%-16.5pp |
| Annual return | 14.14% | 2.95%+11.2pp | 9.68%+4.5pp | 2041.45%-2027.3pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $3,323-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,477 | $2,591+34.2% | $3,652-4.8% | $3,192+8.9% |
| Admin fee / account holder | $1,182 | $3,610-67.2% | $5,300-77.7% | $4,297-72.5% |