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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 | $1,819 | $28,624-93.6% | $53,647-96.6% | $82,637-97.8% |
| Participation rate | 63.3% | 47.3%+16.1pp | 56.3%+7.1pp | 68.1%-4.7pp |
| Annual return | 31.57% | 664.98%-633.4pp | 358.33%-326.8pp | 53.51%-21.9pp |
| Employer contribution / active EE | $251 | $637-60.6% | $962-73.9% | $2,552-90.2% |
| Participant deferral / active EE | $1,111 | $1,196-7.1% | $1,813-38.7% | $4,126-73.1% |
| Admin fee / account holder | $123 | $2,022-93.9% | $2,460-95.0% | $7,339-98.3% |