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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 | $114,119+165.0% | $107,187+182.1% | $138,895+117.7% |
| Participation rate | 33.3% | 78.1%-44.7pp | 75.0%-41.7pp | 79.9%-46.6pp |
| Annual return | 14.05% | 273.21%-259.2pp | 204.55%-190.5pp | 145.39%-131.3pp |
| Employer contribution / active EE | $931 | $4,059-77.1% | $3,782-75.4% | $4,194-77.8% |
| Participant deferral / active EE | $7,267 | $5,538+31.2% | $5,096+42.6% | $6,396+13.6% |
| Admin fee / account holder | $694 | $10,024-93.1% | $9,162-92.4% | $12,562-94.5% |