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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 | $15,924 | $27,800-42.7% | $58,544-72.8% | $71,495-77.7% |
| Participation rate | 43.3% | 34.6%+8.8pp | 50.9%-7.5pp | 67.9%-24.6pp |
| Annual return | 21.39% | 26.80%-5.4pp | 4249.56%-4228.2pp | 28.85%-7.5pp |
| Employer contribution / active EE | $754 | $632+19.5% | $1,053-28.4% | $2,589-70.9% |
| Participant deferral / active EE | $1,345 | $1,208+11.3% | $1,923-30.1% | $4,291-68.7% |
| Admin fee / account holder | $940 | $1,637-42.6% | $2,520-62.7% | $1,588-40.8% |