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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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $5,128 | $29,507-82.6% | $56,025-90.8% | $77,762-93.4% |
| Participation rate | 33.1% | 32.7%+0.4pp | 52.5%-19.4pp | 70.6%-37.5pp |
| Annual return | 13.13% | 18.90%-5.8pp | 1712.69%-1699.6pp | 31.27%-18.1pp |
| Employer contribution / active EE | $143 | $570-74.9% | $1,042-86.3% | $2,728-94.8% |
| Participant deferral / active EE | $683 | $1,062-35.7% | $1,955-65.1% | $4,651-85.3% |
| Admin fee / account holder | $550 | $1,041-47.2% | $2,828-80.6% | $433+26.9% |