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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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $2,300 | $29,369-92.2% | $77,513-97.0% | $73,412-96.9% |
| Participation rate | 18.4% | 37.9%-19.5pp | 54.2%-35.8pp | 72.2%-53.8pp |
| Annual return | 0.91% | 358.15%-357.2pp | 54.81%-53.9pp | 59.30%-58.4pp |
| Employer contribution / active EE | $94 | $406-76.8% | $987-90.5% | $2,234-95.8% |
| Participant deferral / active EE | $186 | $941-80.2% | $1,861-90.0% | $3,806-95.1% |
| Admin fee / account holder | $5 | $123-96.2% | $2,859-99.8% | $158-97.0% |