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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.
Annual investment return 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,663 | $57,108-69.1% | $94,229-81.3% | $52,331-66.2% |
| Participation rate | 63.6% | 72.9%-9.4pp | 78.8%-15.2pp | 68.1%-4.5pp |
| Annual return | -5.02% | 1.47%-6.5pp | 10.68%-15.7pp | 4.54%-9.6pp |
| Employer contribution / active EE | $485 | $1,735-72.0% | $3,587-86.5% | $1,882-74.2% |
| Participant deferral / active EE | $1,021 | $3,040-66.4% | $4,320-76.4% | $3,022-66.2% |
| Admin fee / account holder | $8 | $546-98.5% | $6,269-99.9% | $592-98.6% |