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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 | $19,419 | $59,220-67.2% | $96,570-79.9% | $79,391-75.5% |
| Participation rate | 33.0% | 61.9%-28.9pp | 69.8%-36.9pp | 70.7%-37.7pp |
| Annual return | 15.99% | 27.08%-11.1pp | 37.79%-21.8pp | 116.88%-100.9pp |
| Employer contribution / active EE | $2 | $1,216-99.8% | $2,357-99.9% | $2,428-99.9% |
| Participant deferral / active EE | $1,969 | $2,948-33.2% | $3,849-48.9% | $4,046-51.3% |
| Admin fee / account holder | $7 | $659-98.9% | $6,182-99.9% | $627-98.8% |