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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 | $42,865 | $62,177-31.1% | $81,370-47.3% | $74,478-42.4% |
| Participation rate | 44.7% | 64.1%-19.4pp | 69.5%-24.8pp | 67.2%-22.5pp |
| Annual return | 11.99% | 16.62%-4.6pp | 24.85%-12.9pp | 1370.56%-1358.6pp |
| Employer contribution / active EE | $1,092 | $1,881-42.0% | $2,464-55.7% | $2,626-58.4% |
| Participant deferral / active EE | $2,380 | $3,219-26.1% | $3,885-38.7% | $4,350-45.3% |
| Admin fee / account holder | $2,771 | $1,927+43.8% | $5,749-51.8% | $1,946+42.4% |