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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 | $78,360 | $78,428-0.1% | $95,960-18.3% | $79,852-1.9% |
| Participation rate | 55.4% | 73.5%-18.1pp | 77.1%-21.7pp | 69.6%-14.3pp |
| Annual return | 12.53% | 19.37%-6.8pp | 91.63%-79.1pp | 31.72%-19.2pp |
| Employer contribution / active EE | $422 | $1,945-78.3% | $2,541-83.4% | $2,471-82.9% |
| Participant deferral / active EE | $2,608 | $3,440-24.2% | $4,167-37.4% | $3,740-30.3% |
| Admin fee / account holder | $7,484 | $5,622+33.1% | $6,797+10.1% | $5,306+41.0% |