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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,629 | $50,637-55.3% | $86,582-73.9% | $62,293-63.7% |
| Participation rate | 41.0% | 67.9%-26.9pp | 73.5%-32.6pp | 69.5%-28.6pp |
| Annual return | 12.60% | 20.80%-8.2pp | 965.08%-952.5pp | 28.90%-16.3pp |
| Employer contribution / active EE | $371 | $2,075-82.1% | $2,839-86.9% | $2,042-81.8% |
| Participant deferral / active EE | $975 | $2,611-62.6% | $3,609-73.0% | $3,169-69.2% |
| Admin fee / account holder | $21 | $413-94.9% | $4,904-99.6% | $479-95.6% |