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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 | $89,580 | $181,896-50.8% | $156,551-42.8% | $273,972-67.3% |
| Participation rate | 54.5% | 88.4%-33.8pp | 84.0%-29.5pp | 83.0%-28.5pp |
| Annual return | 9.91% | 30.74%-20.8pp | 32.23%-22.3pp | 41.46%-31.6pp |
| Employer contribution / active EE | $0 | $6,248-100.0% | $5,501-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,903 | $5,550-47.7% | $4,871-40.4% | $5,287-45.1% |
| Admin fee / account holder | $10,378 | $15,560-33.3% | $13,028-20.3% | $10,133+2.4% |