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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 | $14,548 | $73,638-80.2% | $95,964-84.8% | $73,497-80.2% |
| Participation rate | 66.4% | 76.2%-9.7pp | 77.1%-10.6pp | 70.7%-4.2pp |
| Annual return | 20.88% | 16.78%+4.1pp | 91.64%-70.8pp | 28.51%-7.6pp |
| Employer contribution / active EE | $328 | $1,863-82.4% | $2,541-87.1% | $2,270-85.6% |
| Participant deferral / active EE | $2,886 | $3,617-20.2% | $4,167-30.7% | $3,740-22.8% |
| Admin fee / account holder | $27 | $482-94.3% | $6,797-99.6% | $513-94.6% |