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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $10,161 | $46,100-78.0% | $86,582-88.3% | $69,631-85.4% |
| Participation rate | 18.5% | 67.2%-48.7pp | 73.5%-55.1pp | 70.7%-52.2pp |
| Annual return | 19.09% | 21.02%-1.9pp | 965.08%-946.0pp | 27571.02%-27551.9pp |
| Employer contribution / active EE | $0 | $1,850-100.0% | $2,839-100.0% | $2,032-100.0% |
| Participant deferral / active EE | $681 | $2,432-72.0% | $3,609-81.1% | $3,224-78.9% |
| Admin fee / account holder | $35 | $94-62.9% | $4,904-99.3% | $110-68.5% |