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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 | $44,826 | $73,638-39.1% | $95,960-53.3% | $73,493-39.0% |
| Participation rate | 24.5% | 76.2%-51.6pp | 77.1%-52.6pp | 70.7%-46.2pp |
| Annual return | 0.00% | 16.78%-16.8pp | 91.63%-91.6pp | 28.51%-28.5pp |
| Employer contribution / active EE | $666 | $1,863-64.3% | $2,541-73.8% | $2,270-70.7% |
| Participant deferral / active EE | $1,978 | $3,617-45.3% | $4,167-52.5% | $3,740-47.1% |
| Admin fee / account holder | $57 | $482-88.1% | $6,797-99.2% | $513-88.8% |