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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 | $33,474 | $29,507+13.4% | $56,025-40.3% | $77,762-57.0% |
| Participation rate | 34.1% | 32.7%+1.4pp | 52.5%-18.4pp | 70.6%-36.5pp |
| Annual return | 13.48% | 18.90%-5.4pp | 1712.69%-1699.2pp | 31.27%-17.8pp |
| Employer contribution / active EE | $592 | $570+4.0% | $1,042-43.1% | $2,728-78.3% |
| Participant deferral / active EE | $1,120 | $1,062+5.5% | $1,955-42.7% | $4,651-75.9% |
| Admin fee / account holder | $174 | $1,041-83.3% | $2,828-93.9% | $433-59.9% |