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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 | $353,547 | $183,592+92.6% | $155,567+127.3% | $145,959+142.2% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 8.16% | 61.24%-53.1pp | 64.74%-56.6pp | 561.95%-553.8pp |
| Employer contribution / active EE | $4,906 | $5,315-7.7% | $4,674+5.0% | $4,661+5.3% |
| Participant deferral / active EE | $8,911 | $6,464+37.8% | $5,628+58.3% | $6,689+33.2% |
| Admin fee / account holder | $320 | $19,318-98.3% | $15,916-98.0% | $13,398-97.6% |