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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $486,679 | $100,073+386.3% | $85,126+471.7% | $145,877+233.6% |
| Participation rate | 15.4% | 74.1%-58.7pp | 67.5%-52.1pp | 80.3%-64.9pp |
| Annual return | 7.75% | 84.11%-76.4pp | 66.63%-58.9pp | 551.28%-543.5pp |
| Employer contribution / active EE | $1,920 | $3,236-40.7% | $2,731-29.7% | $4,663-58.8% |
| Participant deferral / active EE | $3,088 | $5,294-41.7% | $4,523-31.7% | $6,691-53.8% |
| Admin fee / account holder | $13,444 | $7,261+85.2% | $6,160+118.2% | $13,402+0.3% |