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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.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $390,738 | $117,904+231.4% | $102,457+281.4% | $145,978+167.7% |
| Participation rate | 50.0% | 78.6%-28.6pp | 76.5%-26.5pp | 80.3%-30.3pp |
| Annual return | 3.88% | 31.80%-27.9pp | 29.41%-25.5pp | 550.52%-546.6pp |
| Employer contribution / active EE | $3,432 | $3,613-5.0% | $3,022+13.5% | $4,662-26.4% |
| Participant deferral / active EE | $31,200 | $5,733+444.2% | $5,054+517.3% | $6,690+366.4% |
| Admin fee / account holder | $13,886 | $13,329+4.2% | $9,451+46.9% | $13,400+3.6% |