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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,540 | $50,812-43.8% | $155,602-81.7% | $77,692-63.3% |
| Participation rate | 21.6% | 63.1%-41.5pp | 78.2%-56.6pp | 70.6%-48.9pp |
| Annual return | 0.00% | 34.85%-34.9pp | 64.81%-64.8pp | 31.25%-31.3pp |
| Employer contribution / active EE | $565 | $1,989-71.6% | $4,675-87.9% | $2,726-79.3% |
| Participant deferral / active EE | $597 | $2,822-78.9% | $5,629-89.4% | $4,648-87.2% |
| Admin fee / account holder | $540 | $436+23.9% | $15,923-96.6% | $431+25.5% |