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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 | $26,581 | $37,446-29.0% | $77,552-65.7% | $79,856-66.7% |
| Participation rate | 36.1% | 41.5%-5.4pp | 54.2%-18.1pp | 69.6%-33.5pp |
| Annual return | 19.86% | 39.76%-19.9pp | 54.82%-35.0pp | 31.71%-11.9pp |
| Employer contribution / active EE | $411 | $637-35.5% | $987-58.3% | $2,471-83.4% |
| Participant deferral / active EE | $1,732 | $1,261+37.4% | $1,861-6.9% | $3,741-53.7% |
| Admin fee / account holder | $54 | $2,506-97.8% | $2,859-98.1% | $5,306-99.0% |