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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $528,908 | $183,539+188.2% | $155,556+240.0% | $145,897+262.5% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 7.06% | 61.31%-54.2pp | 64.84%-57.8pp | 552.29%-545.2pp |
| Employer contribution / active EE | $916 | $5,315-82.8% | $4,675-80.4% | $4,663-80.4% |
| Participant deferral / active EE | $5,183 | $6,467-19.8% | $5,631-7.9% | $6,689-22.5% |
| Admin fee / account holder | $3,814 | $19,275-80.2% | $15,885-76.0% | $13,390-71.5% |