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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 | $28,427 | $26,114+8.9% | $58,544-51.4% | $74,440-61.8% |
| Participation rate | 34.9% | 32.1%+2.8pp | 50.9%-15.9pp | 70.7%-35.8pp |
| Annual return | 18.13% | 32.51%-14.4pp | 4249.56%-4231.4pp | 34.37%-16.2pp |
| Employer contribution / active EE | $534 | $536-0.3% | $1,053-49.3% | $2,638-79.8% |
| Participant deferral / active EE | $987 | $1,075-8.1% | $1,923-48.7% | $4,529-78.2% |
| Admin fee / account holder | $0 | $649-100.0% | $2,520-100.0% | $348-100.0% |