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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 | $26,022 | $50,902-48.9% | $155,534-83.3% | $77,736-66.5% |
| Participation rate | 27.5% | 63.1%-35.6pp | 78.2%-50.7pp | 70.6%-43.1pp |
| Annual return | 22.09% | 34.85%-12.8pp | 64.92%-42.8pp | 31.26%-9.2pp |
| Employer contribution / active EE | $653 | $1,991-67.2% | $4,675-86.0% | $2,728-76.0% |
| Participant deferral / active EE | $1,818 | $2,824-35.6% | $5,630-67.7% | $4,651-60.9% |
| Admin fee / account holder | $21 | $437-95.2% | $15,900-99.9% | $433-95.2% |