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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 | $3,983 | $19,646-79.7% | $71,585-94.4% | $64,097-93.8% |
| Participation rate | 57.6% | 64.7%-7.1pp | 68.2%-10.6pp | 55.2%+2.4pp |
| Annual return | 22.97% | 36.81%-13.8pp | 59.26%-36.3pp | 34.64%-11.7pp |
| Employer contribution / active EE | $417 | $713-41.5% | $1,669-75.0% | $1,891-77.9% |
| Participant deferral / active EE | $944 | $1,665-43.3% | $2,923-67.7% | $3,080-69.3% |
| Admin fee / account holder | $269 | $1,850-85.4% | $4,712-94.3% | $3,454-92.2% |