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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 | $97,862 | $73,787+32.6% | $98,716-0.9% | $82,448+18.7% |
| Participation rate | 37.7% | 61.4%-23.7pp | 69.3%-31.6pp | 68.1%-30.4pp |
| Annual return | 18.46% | 18.57%-0.1pp | 31.81%-13.3pp | 41.64%-23.2pp |
| Employer contribution / active EE | $56 | $1,511-96.3% | $2,279-97.5% | $2,551-97.8% |
| Participant deferral / active EE | $2,307 | $3,081-25.1% | $4,048-43.0% | $4,139-44.3% |
| Admin fee / account holder | $6,769 | $6,500+4.1% | $8,703-22.2% | $7,234-6.4% |