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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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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).
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 | $20,175 | $86,341-76.6% | $125,192-83.9% | $65,185-69.0% |
| Participation rate | 56.2% | 75.3%-19.1pp | 79.8%-23.6pp | 70.2%-14.0pp |
| Annual return | 9.87% | 27.44%-17.6pp | 43.79%-33.9pp | 29.38%-19.5pp |
| Employer contribution / active EE | $900 | $2,040-55.9% | $3,866-76.7% | $2,177-58.6% |
| Participant deferral / active EE | $2,228 | $3,538-37.0% | $4,937-54.9% | $3,514-36.6% |
| Admin fee / account holder | $132 | $609-78.3% | $9,704-98.6% | $847-84.4% |