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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 | $357,939 | $136,860+161.5% | $120,344+197.4% | $154,746+131.3% |
| Participation rate | 50.0% | 79.9%-29.9pp | 76.7%-26.7pp | 80.7%-30.7pp |
| Annual return | 9.06% | 21.38%-12.3pp | 20.30%-11.2pp | 172.34%-163.3pp |
| Employer contribution / active EE | $6,940 | $3,533+96.4% | $3,020+129.8% | $4,379+58.5% |
| Participant deferral / active EE | $24,202 | $5,793+317.7% | $5,135+371.3% | $6,730+259.6% |
| Admin fee / account holder | $105,554 | $15,393+585.7% | $12,742+728.4% | $14,365+634.8% |