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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 | $132,512 | $67,411+96.6% | $91,004+45.6% | $70,126+89.0% |
| Participation rate | 46.9% | 71.4%-24.5pp | 75.6%-28.7pp | 69.5%-22.7pp |
| Annual return | 13.25% | -40.16%+53.4pp | 4.60%+8.7pp | 73.15%-59.9pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,579 | $2,823-44.1% | $3,548-55.5% | $3,332-52.6% |
| Admin fee / account holder | $9,405 | $4,236+122.0% | $5,417+73.6% | $4,645+102.5% |