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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 | $17,512 | $26,549-34.0% | $61,399-71.5% | $66,930-73.8% |
| Participation rate | 53.9% | 38.1%+15.8pp | 52.6%+1.4pp | 69.8%-15.9pp |
| Annual return | 8.67% | -16.21%+24.9pp | 338.81%-330.1pp | 1.57%+7.1pp |
| Employer contribution / active EE | $1,907 | $651+192.7% | $1,159+64.4% | $2,545-25.1% |
| Participant deferral / active EE | $3,750 | $1,338+180.3% | $2,124+76.5% | $4,238-11.5% |
| Admin fee / account holder | $527 | $409+29.1% | $2,131-75.2% | $593-11.1% |