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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 | $98,968 | $79,557+24.4% | $118,746-16.7% | $70,126+41.1% |
| Participation rate | 35.3% | 71.4%-36.1pp | 78.3%-43.0pp | 69.5%-34.2pp |
| Annual return | 14.04% | 25.64%-11.6pp | 24.54%-10.5pp | 73.15%-59.1pp |
| Employer contribution / active EE | $78 | $2,861-97.3% | $4,193-98.1% | $2,343-96.7% |
| Participant deferral / active EE | $2,266 | $4,089-44.6% | $5,332-57.5% | $3,332-32.0% |
| Admin fee / account holder | $5,634 | $5,374+4.8% | $10,720-47.4% | $4,645+21.3% |