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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 | $280,117 | $149,040+87.9% | $120,225+133.0% | $137,256+104.1% |
| Participation rate | 63.6% | 75.4%-11.8pp | 69.6%-5.9pp | 80.0%-16.3pp |
| Annual return | 18.45% | 605.68%-587.2pp | 439.23%-420.8pp | 220.34%-201.9pp |
| Employer contribution / active EE | $6,852 | $4,350+57.5% | $3,475+97.1% | $4,156+64.9% |
| Participant deferral / active EE | $20,633 | $4,655+343.3% | $3,999+416.0% | $6,407+222.0% |
| Admin fee / account holder | $4,880 | $6,348-23.1% | $5,696-14.3% | $12,270-60.2% |