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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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,860 | $80,705-39.5% | $115,768-57.8% | $67,986-28.1% |
| Participation rate | 34.5% | 63.0%-28.5pp | 74.4%-39.9pp | 57.2%-22.8pp |
| Annual return | 13.79% | 18.49%-4.7pp | 100.46%-86.7pp | 31.67%-17.9pp |
| Employer contribution / active EE | $893 | $2,046-56.4% | $2,940-69.6% | $2,019-55.8% |
| Participant deferral / active EE | $1,855 | $3,559-47.9% | $4,917-62.3% | $3,358-44.8% |
| Admin fee / account holder | $247 | $4,135-94.0% | $12,439-98.0% | $3,203-92.3% |