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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 | $11,528 | $26,936-57.2% | $53,647-78.5% | $71,012-83.8% |
| Participation rate | 13.6% | 21.9%-8.3pp | 56.3%-42.7pp | 58.6%-44.9pp |
| Annual return | 34.71% | 81.59%-46.9pp | 358.33%-323.6pp | 37.67%-3.0pp |
| Employer contribution / active EE | $106 | $335-68.5% | $962-89.0% | $2,348-95.5% |
| Participant deferral / active EE | $403 | $590-31.8% | $1,813-77.8% | $3,246-87.6% |
| Admin fee / account holder | $857 | $2,177-60.6% | $2,460-65.2% | $1,167-26.6% |