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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,997 | $40,522-35.8% | $84,628-69.3% | $67,579-61.5% |
| Participation rate | 8.8% | 51.1%-42.3pp | 68.2%-59.4pp | 71.3%-62.4pp |
| Annual return | 21.60% | 32.72%-11.1pp | 258.80%-237.2pp | 378.56%-357.0pp |
| Employer contribution / active EE | $184 | $1,146-83.9% | $2,653-93.1% | $2,148-91.4% |
| Participant deferral / active EE | $532 | $2,132-75.1% | $3,900-86.4% | $3,539-85.0% |
| Admin fee / account holder | $66 | $145-54.5% | $4,914-98.7% | $142-53.5% |