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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $24,574 | $91,424-73.1% | $135,942-81.9% | $71,495-65.6% |
| Participation rate | 37.2% | 75.7%-38.5pp | 81.9%-44.8pp | 67.9%-30.8pp |
| Annual return | 31.11% | 29.90%+1.2pp | 68.28%-37.2pp | 28.85%+2.3pp |
| Employer contribution / active EE | $926 | $3,704-75.0% | $4,858-80.9% | $2,589-64.3% |
| Participant deferral / active EE | $3,126 | $7,092-55.9% | $7,759-59.7% | $4,291-27.1% |
| Admin fee / account holder | $283 | $1,266-77.7% | $10,764-97.4% | $1,588-82.2% |