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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $36,082 | $89,652-59.8% | $141,191-74.4% | $65,185-44.6% |
| Participation rate | 69.7% | 74.7%-5.0pp | 82.5%-12.8pp | 70.2%-0.5pp |
| Annual return | 45.85% | 32.79%+13.1pp | 71.41%-25.6pp | 29.38%+16.5pp |
| Employer contribution / active EE | $0 | $3,065-100.0% | $4,736-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $9,856 | $5,691+73.2% | $6,710+46.9% | $3,514+180.5% |
| Admin fee / account holder | $1,469 | $569+158.3% | $10,264-85.7% | $847+73.4% |