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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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,767 | $43,504-68.4% | $68,793-80.0% | $56,287-75.5% |
| Participation rate | 55.5% | 67.8%-12.4pp | 72.2%-16.8pp | 69.9%-14.4pp |
| Annual return | -8.38% | -3.15%-5.2pp | -4.63%-3.7pp | -9.96%+1.6pp |
| Employer contribution / active EE | $1,774 | $1,525+16.3% | $2,625-32.4% | $2,111-16.0% |
| Participant deferral / active EE | $3,296 | $2,509+31.4% | $3,311-0.5% | $3,350-1.6% |
| Admin fee / account holder | $20 | $515-96.1% | $5,131-99.6% | $521-96.1% |