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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 | $91,401 | $75,183+21.6% | $123,894-26.2% | $55,167+65.7% |
| Participation rate | 67.2% | 72.8%-5.6pp | 81.4%-14.2pp | 69.0%-1.8pp |
| Annual return | 11.89% | 19.01%-7.1pp | 47.52%-35.6pp | 169.23%-157.3pp |
| Employer contribution / active EE | $2,054 | $2,823-27.3% | $4,617-55.5% | $1,963+4.7% |
| Participant deferral / active EE | $4,467 | $5,084-12.1% | $5,984-25.4% | $3,054+46.3% |
| Admin fee / account holder | $21 | $663-96.9% | $8,357-99.8% | $504-95.9% |