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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 | $231,718 | $86,919+166.6% | $102,457+126.2% | $80,911+186.4% |
| Participation rate | 51.9% | 72.4%-20.5pp | 76.5%-24.6pp | 67.6%-15.8pp |
| Annual return | 16.40% | 18.90%-2.5pp | 29.41%-13.0pp | 35.63%-19.2pp |
| Employer contribution / active EE | $584 | $2,368-75.3% | $3,022-80.7% | $2,756-78.8% |
| Participant deferral / active EE | $4,162 | $4,119+1.0% | $5,054-17.7% | $4,297-3.2% |
| Admin fee / account holder | $1,020 | $8,049-87.3% | $9,451-89.2% | $6,935-85.3% |