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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 | $22,264 | $30,107-26.1% | $61,501-63.8% | $64,824-65.7% |
| Participation rate | 32.4% | 36.4%-4.0pp | 52.6%-20.2pp | 71.5%-39.1pp |
| Annual return | -3.55% | -13.99%+10.4pp | 339.04%-342.6pp | 32.84%-36.4pp |
| Employer contribution / active EE | $888 | $537+65.5% | $1,160-23.4% | $2,507-64.6% |
| Participant deferral / active EE | $1,820 | $1,126+61.6% | $2,125-14.4% | $4,311-57.8% |
| Admin fee / account holder | $177 | $148+19.1% | $2,132-91.7% | $188-6.0% |