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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 | $534,052 | $101,795+424.6% | $165,100+223.5% | $80,959+559.7% |
| Participation rate | 51.7% | 71.8%-20.1pp | 78.6%-26.9pp | 67.7%-15.9pp |
| Annual return | -30.58% | 16.73%-47.3pp | 70.21%-100.8pp | 35.67%-66.3pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,181 | $4,476-28.9% | $6,035-47.3% | $4,300-26.0% |
| Admin fee / account holder | $10,937 | $8,221+33.0% | $12,696-13.8% | $6,925+57.9% |