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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,245 | $58,726-31.5% | $92,240-56.4% | $62,293-35.4% |
| Participation rate | 53.3% | 68.3%-15.0pp | 76.5%-23.1pp | 69.5%-16.2pp |
| Annual return | 20.27% | 43.62%-23.3pp | 176.29%-156.0pp | 28.90%-8.6pp |
| Employer contribution / active EE | $540 | $2,392-77.4% | $3,680-85.3% | $2,042-73.6% |
| Participant deferral / active EE | $4,049 | $2,766+46.4% | $3,897+3.9% | $3,169+27.8% |
| Admin fee / account holder | $19 | $556-96.6% | $5,194-99.6% | $479-96.1% |