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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 | $11,881 | $62,132-80.9% | $185,835-93.6% | $73,493-83.8% |
| Participation rate | 59.3% | 67.8%-8.5pp | 78.0%-18.7pp | 70.7%-11.3pp |
| Annual return | 0.00% | 20.44%-20.4pp | 35.96%-36.0pp | 28.51%-28.5pp |
| Employer contribution / active EE | $0 | $1,681-100.0% | $4,087-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $5,053 | $3,711+36.2% | $5,633-10.3% | $3,740+35.1% |
| Admin fee / account holder | $1 | $419-99.9% | $9,502-100.0% | $513-99.9% |