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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,920 | $31,679-15.0% | $74,722-64.0% | $65,185-58.7% |
| Participation rate | 68.0% | 40.4%+27.6pp | 54.5%+13.5pp | 70.2%-2.2pp |
| Annual return | 23.20% | 39.04%-15.8pp | 753.11%-729.9pp | 29.38%-6.2pp |
| Employer contribution / active EE | $997 | $566+76.2% | $1,084-8.0% | $2,177-54.2% |
| Participant deferral / active EE | $1,747 | $1,191+46.7% | $1,963-11.0% | $3,514-50.3% |
| Admin fee / account holder | $24 | $379-93.6% | $3,335-99.3% | $847-97.1% |