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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 | $20,235 | $60,504-66.6% | $81,882-75.3% | $74,478-72.8% |
| Participation rate | 64.2% | 62.9%+1.3pp | 72.4%-8.2pp | 67.2%-3.0pp |
| Annual return | 19.94% | 16.91%+3.0pp | 779.47%-759.5pp | 1370.56%-1350.6pp |
| Employer contribution / active EE | $1,263 | $2,627-51.9% | $2,916-56.7% | $2,626-51.9% |
| Participant deferral / active EE | $2,304 | $3,400-32.2% | $4,323-46.7% | $4,350-47.0% |
| Admin fee / account holder | $895 | $1,492-40.0% | $7,360-87.8% | $1,946-54.0% |