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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,593 | $65,378-80.7% | $87,103-85.5% | $65,186-80.7% |
| Participation rate | 59.4% | 75.3%-16.0pp | 76.9%-17.5pp | 70.2%-10.8pp |
| Annual return | 29.12% | 31.28%-2.2pp | 28.19%+0.9pp | 29.39%-0.3pp |
| Employer contribution / active EE | $373 | $1,823-79.6% | $2,521-85.2% | $2,177-82.9% |
| Participant deferral / active EE | $3,070 | $3,389-9.4% | $4,049-24.2% | $3,514-12.6% |
| Admin fee / account holder | $64 | $520-87.7% | $7,491-99.1% | $847-92.5% |