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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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $10,372 | $44,984-76.9% | $85,009-87.8% | $74,546-86.1% |
| Participation rate | 50.9% | 49.4%+1.6pp | 67.5%-16.6pp | 67.2%-16.3pp |
| Annual return | 14.89% | 26.25%-11.4pp | 66.47%-51.6pp | 1366.03%-1351.1pp |
| Employer contribution / active EE | $1,629 | $1,458+11.7% | $2,728-40.3% | $2,624-37.9% |
| Participant deferral / active EE | $2,662 | $2,733-2.6% | $4,522-41.1% | $4,347-38.8% |
| Admin fee / account holder | $1,380 | $2,208-37.5% | $6,153-77.6% | $1,944-29.0% |