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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 | $33,347 | $52,884-36.9% | $84,753-60.7% | $55,167-39.6% |
| Participation rate | 52.3% | 67.5%-15.2pp | 76.6%-24.3pp | 69.0%-16.7pp |
| Annual return | 3.25% | 18.03%-14.8pp | 22.78%-19.5pp | 169.23%-166.0pp |
| Employer contribution / active EE | $481 | $2,233-78.5% | $3,574-86.5% | $1,963-75.5% |
| Participant deferral / active EE | $4,185 | $2,644+58.3% | $3,712+12.7% | $3,054+37.0% |
| Admin fee / account holder | $28 | $581-95.2% | $5,333-99.5% | $504-94.5% |