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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 | $47,977 | $49,024-2.1% | $112,860-57.5% | $87,485-45.2% |
| Participation rate | 64.3% | 62.2%+2.1pp | 66.3%-2.0pp | 68.9%-4.6pp |
| Annual return | 17.39% | 43.86%-26.5pp | 35.26%-17.9pp | 26.06%-8.7pp |
| Employer contribution / active EE | $154 | $1,290-88.1% | $2,206-93.0% | $2,596-94.1% |
| Participant deferral / active EE | $1,434 | $2,209-35.1% | $3,493-59.0% | $4,274-66.4% |
| Admin fee / account holder | $2,360 | $6,266-62.3% | $6,841-65.5% | $7,775-69.6% |