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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).
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 | $44,241 | $54,690-19.1% | $76,030-41.8% | $74,478-40.6% |
| Participation rate | 44.4% | 60.3%-15.9pp | 69.1%-24.6pp | 67.2%-22.8pp |
| Annual return | 12.29% | 31.92%-19.6pp | 361.54%-349.2pp | 1370.56%-1358.3pp |
| Employer contribution / active EE | $1,472 | $1,781-17.4% | $2,688-45.2% | $2,626-44.0% |
| Participant deferral / active EE | $2,281 | $3,070-25.7% | $4,257-46.4% | $4,350-47.6% |
| Admin fee / account holder | $7,583 | $2,240+238.6% | $6,421+18.1% | $1,946+289.7% |