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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 | $2,117 | $25,014-91.5% | $69,632-97.0% | $80,959-97.4% |
| Participation rate | 65.7% | 64.2%+1.5pp | 66.4%-0.8pp | 67.7%-2.0pp |
| Annual return | 11.93% | 19.08%-7.2pp | 101.32%-89.4pp | 35.67%-23.7pp |
| Employer contribution / active EE | $499 | $991-49.6% | $1,708-70.8% | $2,757-81.9% |
| Participant deferral / active EE | $1,274 | $1,840-30.7% | $2,889-55.9% | $4,300-70.4% |
| Admin fee / account holder | $549 | $2,491-78.0% | $4,695-88.3% | $6,925-92.1% |