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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $51,262 | $31,388+63.3% | $73,550-30.3% | $62,293-17.7% |
| Participation rate | 10.6% | 39.9%-29.2pp | 54.9%-44.3pp | 69.5%-58.9pp |
| Annual return | 18.80% | 25.34%-6.5pp | -15.16%+34.0pp | 28.90%-10.1pp |
| Employer contribution / active EE | $159 | $498-68.0% | $1,219-86.9% | $2,042-92.2% |
| Participant deferral / active EE | $536 | $1,028-47.9% | $1,804-70.3% | $3,169-83.1% |
| Admin fee / account holder | $16 | $299-94.6% | $2,320-99.3% | $479-96.6% |