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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 | $142,338 | $50,972+179.2% | $88,538+60.8% | $72,975+95.0% |
| Participation rate | 64.5% | 63.4%+1.1pp | 68.7%-4.2pp | 69.5%-5.0pp |
| Annual return | 22.40% | 29.62%-7.2pp | 43.64%-21.2pp | 81.01%-58.6pp |
| Employer contribution / active EE | $0 | $1,475-100.0% | $2,098-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $5,301 | $2,230+137.7% | $2,914+81.9% | $3,608+46.9% |
| Admin fee / account holder | $15,463 | $3,230+378.7% | $4,310+258.7% | $5,124+201.8% |