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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).
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 | $4,538 | $23,385-80.6% | $69,182-93.4% | $57,658-92.1% |
| Participation rate | 45.1% | 37.9%+7.2pp | 55.1%-10.0pp | 70.2%-25.1pp |
| Annual return | 9.80% | -659.34%+669.1pp | -21.93%+31.7pp | 5.13%+4.7pp |
| Employer contribution / active EE | $369 | $422-12.7% | $1,206-69.4% | $1,974-81.3% |
| Participant deferral / active EE | $699 | $843-17.1% | $1,897-63.2% | $3,061-77.2% |
| Admin fee / account holder | $24 | $82-70.9% | $2,697-99.1% | $95-74.8% |