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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 | $12,243 | $82,188-85.1% | $125,391-90.2% | $64,824-81.1% |
| Participation rate | 38.7% | 77.9%-39.2pp | 82.4%-43.7pp | 71.5%-32.8pp |
| Annual return | -10.37% | 3.50%-13.9pp | 572.41%-582.8pp | 32.84%-43.2pp |
| Employer contribution / active EE | $0 | $3,617-100.0% | $4,816-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $1,261 | $7,177-82.4% | $7,448-83.1% | $4,311-70.7% |
| Admin fee / account holder | $7 | $163-95.6% | $10,009-99.9% | $188-96.2% |