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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $6,153 | $30,599-79.9% | $74,577-91.7% | $57,658-89.3% |
| Participation rate | 59.6% | 49.1%+10.5pp | 68.1%-8.5pp | 70.2%-10.6pp |
| Annual return | 6.51% | 14.24%-7.7pp | 20.47%-14.0pp | 5.13%+1.4pp |
| Employer contribution / active EE | $366 | $1,000-63.4% | $2,525-85.5% | $1,974-81.4% |
| Participant deferral / active EE | $1,314 | $1,805-27.2% | $3,458-62.0% | $3,061-57.1% |
| Admin fee / account holder | $2 | $98-97.7% | $4,138-99.9% | $95-97.6% |