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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 | $41,907 | $80,781-48.1% | $102,437-59.1% | $74,478-43.7% |
| Participation rate | 44.3% | 65.7%-21.3pp | 74.5%-30.2pp | 67.2%-22.9pp |
| Annual return | 11.97% | 27.58%-15.6pp | 24.95%-13.0pp | 1370.56%-1358.6pp |
| Employer contribution / active EE | $1,256 | $3,160-60.3% | $3,871-67.5% | $2,626-52.2% |
| Participant deferral / active EE | $2,797 | $3,862-27.6% | $5,060-44.7% | $4,350-35.7% |
| Admin fee / account holder | $2,976 | $2,372+25.4% | $8,388-64.5% | $1,946+52.9% |