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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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $6,642 | $31,679-79.0% | $74,723-91.1% | $65,186-89.8% |
| Participation rate | 25.2% | 40.4%-15.1pp | 54.5%-29.2pp | 70.2%-45.0pp |
| Annual return | 35.81% | 39.04%-3.2pp | 753.18%-717.4pp | 29.39%+6.4pp |
| Employer contribution / active EE | $188 | $566-66.7% | $1,084-82.6% | $2,177-91.3% |
| Participant deferral / active EE | $1,265 | $1,191+6.3% | $1,962-35.5% | $3,514-64.0% |
| Admin fee / account holder | $162 | $379-57.2% | $3,335-95.1% | $847-80.9% |