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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 | $3,451 | $23,330-85.2% | $64,489-94.6% | $82,448-95.8% |
| Participation rate | 68.9% | 68.3%+0.6pp | 67.7%+1.2pp | 68.1%+0.8pp |
| Annual return | 22.90% | 83.66%-60.8pp | 55.03%-32.1pp | 41.64%-18.7pp |
| Employer contribution / active EE | $788 | $824-4.4% | $1,523-48.3% | $2,551-69.1% |
| Participant deferral / active EE | $1,493 | $1,707-12.6% | $2,778-46.3% | $4,139-63.9% |
| Admin fee / account holder | $167 | $2,946-94.3% | $4,260-96.1% | $7,234-97.7% |