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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 | $4,580 | $54,690-91.6% | $76,030-94.0% | $74,478-93.9% |
| Participation rate | 68.9% | 60.3%+8.6pp | 69.1%-0.1pp | 67.2%+1.7pp |
| Annual return | 15.93% | 31.92%-16.0pp | 361.54%-345.6pp | 1370.56%-1354.6pp |
| Employer contribution / active EE | $754 | $1,781-57.6% | $2,688-71.9% | $2,626-71.3% |
| Participant deferral / active EE | $1,104 | $3,070-64.0% | $4,257-74.1% | $4,350-74.6% |
| Admin fee / account holder | $18 | $2,240-99.2% | $6,421-99.7% | $1,946-99.1% |