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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 | $17,876 | $66,302-73.0% | $110,243-83.8% | $56,289-68.2% |
| Participation rate | 41.4% | 74.9%-33.5pp | 79.8%-38.4pp | 69.9%-28.5pp |
| Annual return | -6.89% | -1.18%-5.7pp | 314.76%-321.6pp | -9.96%+3.1pp |
| Employer contribution / active EE | $985 | $2,047-51.9% | $3,827-74.3% | $2,111-53.3% |
| Participant deferral / active EE | $1,844 | $3,381-45.5% | $4,672-60.5% | $3,350-45.0% |
| Admin fee / account holder | $26 | $698-96.2% | $8,548-99.7% | $521-95.0% |