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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 | $18,494 | $50,637-63.5% | $86,582-78.6% | $62,293-70.3% |
| Participation rate | 42.9% | 67.9%-25.0pp | 73.5%-30.7pp | 69.5%-26.7pp |
| Annual return | 21.88% | 20.80%+1.1pp | 965.08%-943.2pp | 28.90%-7.0pp |
| Employer contribution / active EE | $1,346 | $2,075-35.2% | $2,839-52.6% | $2,042-34.1% |
| Participant deferral / active EE | $2,417 | $2,611-7.5% | $3,609-33.0% | $3,169-23.7% |
| Admin fee / account holder | $278 | $413-32.6% | $4,904-94.3% | $479-41.9% |