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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $657,133 | $111,535+489.2% | $105,223+524.5% | $137,256+378.8% |
| Participation rate | 33.3% | 78.1%-44.8pp | 75.0%-41.7pp | 80.0%-46.6pp |
| Annual return | 16.81% | 237.85%-221.0pp | 180.65%-163.8pp | 220.34%-203.5pp |
| Employer contribution / active EE | $3,742 | $3,939-5.0% | $3,689+1.4% | $4,156-10.0% |
| Participant deferral / active EE | $6,844 | $5,500+24.4% | $5,072+35.0% | $6,407+6.8% |
| Admin fee / account holder | $13,737 | $9,721+41.3% | $8,859+55.1% | $12,270+12.0% |