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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 | $2,764 | $79,694-96.5% | $96,171-97.1% | $79,391-96.5% |
| Participation rate | 46.8% | 54.0%-7.1pp | 68.4%-21.6pp | 70.7%-23.9pp |
| Annual return | 15.28% | 40.84%-25.6pp | 192.04%-176.8pp | 116.88%-101.6pp |
| Employer contribution / active EE | $0 | $1,443-100.0% | $2,799-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $1,014 | $2,539-60.1% | $4,350-76.7% | $4,046-74.9% |
| Admin fee / account holder | $41 | $630-93.5% | $5,538-99.3% | $627-93.4% |