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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $42,301 | $104,336-59.5% | $159,474-73.5% | $86,821-51.3% |
| Participation rate | 33.5% | 77.7%-44.2pp | 82.8%-49.3pp | 72.3%-38.8pp |
| Annual return | 15.32% | 26.32%-11.0pp | 263.68%-248.4pp | 97.94%-82.6pp |
| Employer contribution / active EE | $1,005 | $3,451-70.9% | $4,831-79.2% | $2,406-58.2% |
| Participant deferral / active EE | $1,936 | $6,837-71.7% | $7,353-73.7% | $4,132-53.1% |
| Admin fee / account holder | $118 | $172-31.7% | $10,802-98.9% | $170-30.6% |