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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 | $57,116 | $50,898+12.2% | $171,082-66.6% | $55,167+3.5% |
| Participation rate | 66.7% | 63.3%+3.4pp | 76.7%-10.0pp | 69.0%-2.3pp |
| Annual return | 5.96% | 15.34%-9.4pp | 32.56%-26.6pp | 169.23%-163.3pp |
| Employer contribution / active EE | $1,470 | $1,433+2.6% | $4,002-63.3% | $1,963-25.1% |
| Participant deferral / active EE | $3,942 | $2,994+31.7% | $4,797-17.8% | $3,054+29.1% |
| Admin fee / account holder | $13 | $500-97.5% | $8,520-99.9% | $504-97.5% |