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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 | $301,012 | $111,814+169.2% | $103,378+191.2% | $145,978+106.2% |
| Participation rate | 40.0% | 77.9%-37.9pp | 74.5%-34.5pp | 80.3%-40.3pp |
| Annual return | 6.66% | 24.80%-18.1pp | 24.91%-18.2pp | 550.52%-543.9pp |
| Employer contribution / active EE | $3,312 | $4,215-21.4% | $3,870-14.4% | $4,662-28.9% |
| Participant deferral / active EE | $8,910 | $5,618+58.6% | $5,058+76.2% | $6,690+33.2% |
| Admin fee / account holder | $620 | $9,764-93.7% | $8,401-92.6% | $13,400-95.4% |