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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 | $92,750 | $67,595+37.2% | $186,193-50.2% | $64,340+44.2% |
| Participation rate | 28.3% | 51.9%-23.7pp | 77.1%-48.8pp | 55.2%-27.0pp |
| Annual return | 15.31% | 17.46%-2.2pp | 78.03%-62.7pp | 24.14%-8.8pp |
| Employer contribution / active EE | $145 | $1,513-90.4% | $3,918-96.3% | $1,862-92.2% |
| Participant deferral / active EE | $1,631 | $3,023-46.1% | $6,513-75.0% | $2,980-45.3% |
| Admin fee / account holder | $7,286 | $5,311+37.2% | $11,058-34.1% | $3,703+96.8% |