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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 | $2,937 | $46,732-93.7% | $156,551-98.1% | $55,167-94.7% |
| Participation rate | 67.6% | 65.8%+1.8pp | 84.0%-16.4pp | 69.0%-1.3pp |
| Annual return | 5.19% | 17.72%-12.5pp | 32.23%-27.0pp | 169.23%-164.0pp |
| Employer contribution / active EE | $0 | $2,105-100.0% | $5,501-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $676 | $2,204-69.3% | $4,871-86.1% | $3,054-77.9% |
| Admin fee / account holder | $57 | $418-86.3% | $13,028-99.6% | $504-88.6% |