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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.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $10,854 | $80,177-86.5% | $123,894-91.2% | $57,658-81.2% |
| Participation rate | 35.5% | 74.4%-39.0pp | 81.4%-45.9pp | 70.2%-34.7pp |
| Annual return | 20.17% | 17.90%+2.3pp | 47.52%-27.4pp | 5.13%+15.0pp |
| Employer contribution / active EE | $699 | $2,913-76.0% | $4,617-84.8% | $1,974-64.6% |
| Participant deferral / active EE | $1,819 | $5,130-64.5% | $5,984-69.6% | $3,061-40.6% |
| Admin fee / account holder | $4 | $106-95.9% | $8,357-99.9% | $95-95.4% |