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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,561 | $50,458-83.0% | $160,009-94.6% | $64,819-86.8% |
| Participation rate | 64.0% | 68.0%-4.0pp | 78.0%-13.9pp | 71.5%-7.4pp |
| Annual return | -12.79% | -13.42%+0.6pp | 408.85%-421.6pp | 32.84%-45.6pp |
| Employer contribution / active EE | $1,036 | $1,722-39.8% | $4,225-75.5% | $2,507-58.7% |
| Participant deferral / active EE | $2,883 | $4,004-28.0% | $6,183-53.4% | $4,311-33.1% |
| Admin fee / account holder | $38 | $706-94.6% | $8,715-99.6% | $188-79.5% |