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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 | $17,477 | $65,092-73.2% | $143,799-87.8% | $66,938-73.9% |
| Participation rate | 12.1% | 65.2%-53.1pp | 80.3%-68.2pp | 69.8%-57.7pp |
| Annual return | 14.42% | -11.14%+25.6pp | -0.04%+14.5pp | 1.58%+12.8pp |
| Employer contribution / active EE | $488 | $2,362-79.3% | $4,952-90.1% | $2,545-80.8% |
| Participant deferral / active EE | $911 | $2,920-68.8% | $5,638-83.8% | $4,238-78.5% |
| Admin fee / account holder | $53 | $502-89.5% | $14,677-99.6% | $594-91.1% |