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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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $16,262 | $55,458-70.7% | $76,030-78.6% | $77,762-79.1% |
| Participation rate | 44.2% | 63.6%-19.4pp | 69.1%-24.9pp | 70.6%-26.4pp |
| Annual return | 23.55% | 17.10%+6.5pp | 361.54%-338.0pp | 31.27%-7.7pp |
| Employer contribution / active EE | $1,495 | $1,792-16.6% | $2,688-44.4% | $2,728-45.2% |
| Participant deferral / active EE | $3,268 | $3,454-5.4% | $4,257-23.2% | $4,651-29.7% |
| Admin fee / account holder | $1,884 | $411+358.6% | $6,421-70.6% | $433+335.3% |