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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 | $302,402 | $134,817+124.3% | $123,973+143.9% | $155,188+94.9% |
| Participation rate | 33.3% | 79.4%-46.1pp | 76.7%-43.3pp | 80.8%-47.5pp |
| Annual return | 14.05% | 515.49%-501.4pp | 388.13%-374.1pp | 148.84%-134.8pp |
| Employer contribution / active EE | $931 | $4,425-79.0% | $4,126-77.4% | $4,248-78.1% |
| Participant deferral / active EE | $7,267 | $5,706+27.4% | $5,247+38.5% | $6,531+11.3% |
| Admin fee / account holder | $694 | $13,245-94.8% | $11,799-94.1% | $14,480-95.2% |