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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 | $81,682 | $78,428+4.1% | $95,960-14.9% | $79,852+2.3% |
| Participation rate | 60.8% | 73.5%-12.7pp | 77.1%-16.3pp | 69.6%-8.8pp |
| Annual return | 20.71% | 19.37%+1.3pp | 91.63%-70.9pp | 31.72%-11.0pp |
| Employer contribution / active EE | $372 | $1,945-80.9% | $2,541-85.4% | $2,471-85.0% |
| Participant deferral / active EE | $3,131 | $3,440-9.0% | $4,167-24.9% | $3,740-16.3% |
| Admin fee / account holder | $5,024 | $5,622-10.6% | $6,797-26.1% | $5,306-5.3% |