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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 | $400,947 | $211,288+89.8% | $178,540+124.6% | $145,884+174.8% |
| Participation rate | 66.7% | 80.8%-14.1pp | 77.1%-10.4pp | 80.3%-13.6pp |
| Annual return | 20.59% | 30.27%-9.7pp | 27.15%-6.6pp | 551.85%-531.3pp |
| Employer contribution / active EE | $2,428 | $4,574-46.9% | $3,953-38.6% | $4,662-47.9% |
| Participant deferral / active EE | $9,128 | $6,967+31.0% | $6,281+45.3% | $6,690+36.5% |
| Admin fee / account holder | $3,845 | $12,105-68.2% | $10,424-63.1% | $13,392-71.3% |