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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 | $90,156 | $78,428+15.0% | $95,960-6.0% | $79,852+12.9% |
| Participation rate | 39.4% | 73.5%-34.1pp | 77.1%-37.7pp | 69.6%-30.2pp |
| Annual return | 14.80% | 19.37%-4.6pp | 91.63%-76.8pp | 31.72%-16.9pp |
| Employer contribution / active EE | $380 | $1,945-80.5% | $2,541-85.0% | $2,471-84.6% |
| Participant deferral / active EE | $2,762 | $3,440-19.7% | $4,167-33.7% | $3,740-26.2% |
| Admin fee / account holder | $6,122 | $5,622+8.9% | $6,797-9.9% | $5,306+15.4% |