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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 | $15,133 | $27,243-44.5% | $52,425-71.1% | $79,634-81.0% |
| Participation rate | 16.7% | 22.4%-5.7pp | 55.6%-38.9pp | 62.5%-45.7pp |
| Annual return | 28.66% | 63.36%-34.7pp | 302.12%-273.5pp | 36.46%-7.8pp |
| Employer contribution / active EE | $0 | $319-100.0% | $914-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $791 | $636+24.5% | $1,790-55.8% | $3,835-79.4% |
| Admin fee / account holder | $1,766 | $2,105-16.1% | $2,495-29.2% | $1,002+76.3% |