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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 | $29,228 | $58,523-50.1% | $99,470-70.6% | $72,983-60.0% |
| Participation rate | 66.7% | 64.6%+2.0pp | 73.8%-7.2pp | 69.5%-2.8pp |
| Annual return | 18.52% | 28.51%-10.0pp | 30.72%-12.2pp | 81.01%-62.5pp |
| Employer contribution / active EE | $229 | $1,512-84.8% | $2,540-91.0% | $2,440-90.6% |
| Participant deferral / active EE | $1,682 | $2,606-35.5% | $3,619-53.5% | $3,608-53.4% |
| Admin fee / account holder | $3,786 | $4,102-7.7% | $6,252-39.4% | $5,124-26.1% |