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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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $43,456 | $89,739-51.6% | $149,721-71.0% | $62,293-30.2% |
| Participation rate | 10.0% | 85.1%-75.1pp | 87.1%-77.1pp | 69.5%-59.5pp |
| Annual return | 63.92% | 21.01%+42.9pp | 1501.67%-1437.8pp | 28.90%+35.0pp |
| Employer contribution / active EE | $0 | $3,233-100.0% | $5,444-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $309 | $4,797-93.5% | $6,568-95.3% | $3,169-90.2% |
| Admin fee / account holder | $5 | $551-99.1% | $11,282-100.0% | $479-99.0% |