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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $21,473 | $63,114-66.0% | $92,915-76.9% | $65,186-67.1% |
| Participation rate | 62.1% | 68.8%-6.6pp | 76.0%-13.9pp | 70.2%-8.1pp |
| Annual return | 25.57% | 28.75%-3.2pp | 109.45%-83.9pp | 29.39%-3.8pp |
| Employer contribution / active EE | $119 | $2,571-95.4% | $3,653-96.7% | $2,177-94.5% |
| Participant deferral / active EE | $1,664 | $3,108-46.5% | $4,238-60.7% | $3,514-52.6% |
| Admin fee / account holder | $106 | $624-83.0% | $5,796-98.2% | $847-87.5% |