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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,013 | $34,634-62.4% | $77,096-83.1% | $64,819-79.9% |
| Participation rate | 66.3% | 49.8%+16.5pp | 67.9%-1.6pp | 71.5%-5.2pp |
| Annual return | 29.66% | -5.31%+35.0pp | 42.35%-12.7pp | 32.84%-3.2pp |
| Employer contribution / active EE | $3,031 | $1,385+118.9% | $2,814+7.7% | $2,507+20.9% |
| Participant deferral / active EE | $5,815 | $2,553+127.8% | $4,429+31.3% | $4,311+34.9% |
| Admin fee / account holder | $113 | $178-36.8% | $5,428-97.9% | $188-40.0% |