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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $3,716 | $66,813-94.4% | $100,535-96.3% | $73,497-94.9% |
| Participation rate | 27.4% | 77.5%-50.0pp | 79.4%-52.0pp | 70.7%-43.2pp |
| Annual return | 0.00% | 25.70%-25.7pp | 30.90%-30.9pp | 28.51%-28.5pp |
| Employer contribution / active EE | $0 | $2,147-100.0% | $3,419-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,033 | $5,883-65.4% | $6,271-67.6% | $3,740-45.6% |
| Admin fee / account holder | $4 | $512-99.1% | $8,085-99.9% | $513-99.1% |