Filed October 9, 2025
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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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $20,372 | $55,453-63.3% | $170,435-88.0% | $62,293-67.3% |
| Participation rate | 45.7% | 66.4%-20.7pp | 83.6%-37.9pp | 69.5%-23.8pp |
| Annual return | 15.87% | 21.38%-5.5pp | 205.94%-190.1pp | 28.90%-13.0pp |
| Employer contribution / active EE | $527 | $2,164-75.6% | $5,432-90.3% | $2,042-74.2% |
| Participant deferral / active EE | $2,023 | $2,303-12.2% | $4,939-59.1% | $3,169-36.2% |
| Admin fee / account holder | $5 | $455-98.8% | $13,881-100.0% | $479-98.9% |