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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 | $57,729 | $78,607-26.6% | $105,624-45.3% | $74,478-22.5% |
| Participation rate | 64.9% | 72.8%-7.9pp | 75.3%-10.4pp | 67.2%-2.3pp |
| Annual return | 13.67% | 15.96%-2.3pp | 116.20%-102.5pp | 1370.56%-1356.9pp |
| Employer contribution / active EE | $2,085 | $2,523-17.4% | $3,168-34.2% | $2,626-20.6% |
| Participant deferral / active EE | $3,393 | $4,325-21.6% | $5,013-32.3% | $4,350-22.0% |
| Admin fee / account holder | $1,510 | $2,220-32.0% | $10,961-86.2% | $1,946-22.4% |