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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 | $93,130 | $78,428+18.7% | $95,960-3.0% | $79,852+16.6% |
| Participation rate | 37.3% | 73.5%-36.1pp | 77.1%-39.7pp | 69.6%-32.3pp |
| Annual return | 19.94% | 19.37%+0.6pp | 91.63%-71.7pp | 31.72%-11.8pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,661 | $3,440-51.7% | $4,167-60.1% | $3,740-55.6% |
| Admin fee / account holder | $6,429 | $5,622+14.3% | $6,797-5.4% | $5,306+21.1% |