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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 | $12,946 | $51,228-74.7% | $77,100-83.2% | - |
| Participation rate | 66.7% | 44.6%+22.1pp | 67.9%-1.3pp | - |
| Annual return | -18.29% | 16.76%-35.0pp | 42.35%-60.6pp | - |
| Employer contribution / active EE | $1,965 | $1,482+32.6% | $2,815-30.2% | - |
| Participant deferral / active EE | $1,584 | $2,637-39.9% | $4,430-64.2% | - |
| Admin fee / account holder | $200 | $14,093-98.6% | $5,443-96.3% | - |