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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,130 | $55,636-81.8% | $81,988-87.6% | $73,493-86.2% |
| Participation rate | 39.1% | 62.3%-23.1pp | 69.3%-30.1pp | 70.7%-31.5pp |
| Annual return | 38.48% | 19.07%+19.4pp | 41.31%-2.8pp | 28.51%+10.0pp |
| Employer contribution / active EE | $485 | $1,625-70.1% | $2,498-80.6% | $2,270-78.6% |
| Participant deferral / active EE | $1,168 | $2,762-57.7% | $3,722-68.6% | $3,740-68.8% |
| Admin fee / account holder | $18 | $493-96.3% | $5,665-99.7% | $513-96.5% |