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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 | $55,473 | $49,451+12.2% | $79,580-30.3% | $66,938-17.1% |
| Participation rate | 13.6% | 61.3%-47.8pp | 69.5%-55.9pp | 69.8%-56.2pp |
| Annual return | -10.32% | 84.25%-94.6pp | 0.15%-10.5pp | 1.58%-11.9pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,413-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $193 | $3,159-93.9% | $3,985-95.2% | $4,238-95.5% |
| Admin fee / account holder | $9 | $595-98.5% | $6,835-99.9% | $594-98.5% |