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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 | $3,833 | $29,319-86.9% | $52,425-92.7% | $82,448-95.4% |
| Participation rate | 63.2% | 46.9%+16.3pp | 55.6%+7.5pp | 68.1%-4.9pp |
| Annual return | 18.08% | 535.20%-517.1pp | 302.12%-284.0pp | 41.64%-23.6pp |
| Employer contribution / active EE | $466 | $586-20.5% | $914-49.0% | $2,551-81.7% |
| Participant deferral / active EE | $899 | $1,171-23.3% | $1,790-49.8% | $4,139-78.3% |
| Admin fee / account holder | $217 | $1,962-89.0% | $2,495-91.3% | $7,234-97.0% |