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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 | $45,123-77.0% | $85,240-87.8% | $74,478-86.1% |
| Participation rate | 50.9% | 49.4%+1.6pp | 67.5%-16.6pp | 67.2%-16.3pp |
| Annual return | 14.89% | 26.32%-11.4pp | 66.75%-51.9pp | 1370.56%-1355.7pp |
| Employer contribution / active EE | $1,629 | $1,459+11.6% | $2,735-40.5% | $2,626-38.0% |
| Participant deferral / active EE | $2,662 | $2,736-2.7% | $4,527-41.2% | $4,350-38.8% |
| Admin fee / account holder | $1,380 | $2,215-37.7% | $6,165-77.6% | $1,946-29.1% |