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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 | $37,921 | $58,969-35.7% | $129,406-70.7% | $77,762-51.2% |
| Participation rate | 29.3% | 59.5%-30.2pp | 69.6%-40.4pp | 70.6%-41.3pp |
| Annual return | 13.20% | 24.78%-11.6pp | 9468.18%-9455.0pp | 31.27%-18.1pp |
| Employer contribution / active EE | $757 | $1,959-61.4% | $4,155-81.8% | $2,728-72.3% |
| Participant deferral / active EE | $1,866 | $3,224-42.1% | $4,167-55.2% | $4,651-59.9% |
| Admin fee / account holder | $1,534 | $593+158.8% | $7,689-80.0% | $433+254.3% |