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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $20,054 | $78,562-74.5% | $105,608-81.0% | $74,429-73.1% |
| Participation rate | 59.5% | 72.8%-13.3pp | 75.3%-15.8pp | 67.2%-7.7pp |
| Annual return | 22.62% | 15.94%+6.7pp | 116.50%-93.9pp | 1368.38%-1345.8pp |
| Employer contribution / active EE | $1,498 | $2,521-40.6% | $3,167-52.7% | $2,625-42.9% |
| Participant deferral / active EE | $1,964 | $4,321-54.6% | $5,010-60.8% | $4,348-54.8% |
| Admin fee / account holder | $27 | $2,217-98.8% | $11,028-99.8% | $1,944-98.6% |