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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 | $99,834 | $106,749-6.5% | $145,433-31.4% | $82,448+21.1% |
| Participation rate | 52.4% | 75.6%-23.3pp | 82.1%-29.7pp | 68.1%-15.7pp |
| Annual return | 16.33% | 27.59%-11.3pp | 66.58%-50.2pp | 41.64%-25.3pp |
| Employer contribution / active EE | $493 | $3,444-85.7% | $4,554-89.2% | $2,551-80.7% |
| Participant deferral / active EE | $5,139 | $6,519-21.2% | $7,897-34.9% | $4,139+24.2% |
| Admin fee / account holder | $4,205 | $8,390-49.9% | $13,129-68.0% | $7,234-41.9% |