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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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $5,872 | $75,183-92.2% | $123,894-95.3% | $55,167-89.4% |
| Participation rate | 69.3% | 72.8%-3.5pp | 81.4%-12.1pp | 69.0%+0.3pp |
| Annual return | 24.73% | 19.01%+5.7pp | 47.52%-22.8pp | 169.23%-144.5pp |
| Employer contribution / active EE | $1,568 | $2,823-44.5% | $4,617-66.0% | $1,963-20.1% |
| Participant deferral / active EE | $957 | $5,084-81.2% | $5,984-84.0% | $3,054-68.7% |
| Admin fee / account holder | $80 | $663-87.9% | $8,357-99.0% | $504-84.1% |