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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $40,580 | $39,245+3.4% | $64,105-36.7% | $52,331-22.5% |
| Participation rate | 33.6% | 58.2%-24.6pp | 68.2%-34.6pp | 68.1%-34.5pp |
| Annual return | -2.29% | 14.79%-17.1pp | 791.24%-793.5pp | 4.54%-6.8pp |
| Employer contribution / active EE | $653 | $736-11.3% | $1,820-64.1% | $1,882-65.3% |
| Participant deferral / active EE | $1,008 | $1,992-49.4% | $2,822-64.3% | $3,022-66.7% |
| Admin fee / account holder | $2 | $592-99.6% | $4,499-99.9% | $592-99.6% |