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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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,604 | $39,859-83.4% | $78,676-91.6% | $57,658-88.5% |
| Participation rate | 21.0% | 66.1%-45.1pp | 73.6%-52.6pp | 70.2%-49.3pp |
| Annual return | 10.33% | 18.96%-8.6pp | 62.19%-51.9pp | 5.13%+5.2pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,850-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $683 | $2,248-69.6% | $3,517-80.6% | $3,061-77.7% |
| Admin fee / account holder | $7 | $76-90.2% | $4,510-99.8% | $95-92.1% |