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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 | $14,004 | $54,193-74.2% | $93,669-85.0% | $77,714-82.0% |
| Participation rate | 55.4% | 63.9%-8.6pp | 68.7%-13.4pp | 70.6%-15.2pp |
| Annual return | 205.48% | 30.54%+174.9pp | 133.59%+71.9pp | 31.26%+174.2pp |
| Employer contribution / active EE | $640 | $1,168-45.2% | $2,424-73.6% | $2,727-76.5% |
| Participant deferral / active EE | $1,709 | $3,144-45.6% | $4,416-61.3% | $4,649-63.2% |
| Admin fee / account holder | $617 | $576+7.1% | $8,291-92.6% | $433+42.3% |