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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 | $79,492 | $86,949-8.6% | $102,460-22.4% | $80,959-1.8% |
| Participation rate | 34.2% | 72.4%-38.2pp | 76.5%-42.3pp | 67.7%-33.5pp |
| Annual return | 27.32% | 18.89%+8.4pp | 29.47%-2.2pp | 35.67%-8.4pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,539 | $4,121-38.4% | $5,056-49.8% | $4,300-41.0% |
| Admin fee / account holder | $17,469 | $8,048+117.1% | $9,460+84.7% | $6,925+152.2% |