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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).
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 | $1,157 | $45,022-97.4% | $85,126-98.6% | $77,714-98.5% |
| Participation rate | 52.4% | 48.7%+3.7pp | 67.5%-15.2pp | 70.6%-18.2pp |
| Annual return | 17.82% | 79.38%-61.6pp | 66.63%-48.8pp | 31.26%-13.4pp |
| Employer contribution / active EE | $0 | $1,610-100.0% | $2,731-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $443 | $2,811-84.2% | $4,523-90.2% | $4,649-90.5% |
| Admin fee / account holder | $7 | $913-99.2% | $6,160-99.9% | $433-98.4% |