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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 | $104,452 | $95,404+9.5% | $113,397-7.9% | $82,637+26.4% |
| Participation rate | 34.4% | 72.8%-38.4pp | 76.5%-42.1pp | 68.1%-33.6pp |
| Annual return | 13.75% | 19.08%-5.3pp | 23.20%-9.5pp | 53.51%-39.8pp |
| Employer contribution / active EE | $265 | $2,307-88.5% | $2,977-91.1% | $2,552-89.6% |
| Participant deferral / active EE | $3,185 | $4,220-24.5% | $5,076-37.3% | $4,126-22.8% |
| Admin fee / account holder | $7,199 | $9,168-21.5% | $11,957-39.8% | $7,339-1.9% |