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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 | $166,375 | $94,031+76.9% | $115,768+43.7% | $82,448+101.8% |
| Participation rate | 54.1% | 70.4%-16.4pp | 74.4%-20.3pp | 68.1%-14.0pp |
| Annual return | 12.27% | 20.61%-8.3pp | 100.46%-88.2pp | 41.64%-29.4pp |
| Employer contribution / active EE | $522 | $2,323-77.5% | $2,940-82.2% | $2,551-79.5% |
| Participant deferral / active EE | $3,576 | $3,972-10.0% | $4,917-27.3% | $4,139-13.6% |
| Admin fee / account holder | $10,612 | $10,249+3.5% | $12,439-14.7% | $7,234+46.7% |