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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 | $24,545 | $26,114-6.0% | $58,544-58.1% | $74,440-67.0% |
| Participation rate | 12.9% | 32.1%-19.2pp | 50.9%-38.0pp | 70.7%-57.9pp |
| Annual return | 21.59% | 32.51%-10.9pp | 4249.56%-4228.0pp | 34.37%-12.8pp |
| Employer contribution / active EE | $430 | $536-19.7% | $1,053-59.2% | $2,638-83.7% |
| Participant deferral / active EE | $706 | $1,075-34.3% | $1,923-63.3% | $4,529-84.4% |
| Admin fee / account holder | $1,524 | $649+134.7% | $2,520-39.5% | $348+338.1% |