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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 | $68,827 | $106,749-35.5% | $145,433-52.7% | $82,448-16.5% |
| Participation rate | 58.1% | 75.6%-17.5pp | 82.1%-24.0pp | 68.1%-9.9pp |
| Annual return | 14.32% | 27.59%-13.3pp | 66.58%-52.3pp | 41.64%-27.3pp |
| Employer contribution / active EE | $480 | $3,444-86.1% | $4,554-89.5% | $2,551-81.2% |
| Participant deferral / active EE | $2,488 | $6,519-61.8% | $7,897-68.5% | $4,139-39.9% |
| Admin fee / account holder | $6,665 | $8,390-20.6% | $13,129-49.2% | $7,234-7.9% |