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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,895 | $50,464-70.5% | $75,784-80.3% | $52,331-71.5% |
| Participation rate | 47.1% | 66.8%-19.6pp | 75.8%-28.7pp | 68.1%-21.0pp |
| Annual return | -0.13% | 1.03%-1.2pp | 9.68%-9.8pp | 4.54%-4.7pp |
| Employer contribution / active EE | $79 | $1,988-96.0% | $3,323-97.6% | $1,882-95.8% |
| Participant deferral / active EE | $1,245 | $2,570-51.6% | $3,652-65.9% | $3,022-58.8% |
| Admin fee / account holder | $1 | $1,103-99.9% | $5,300-100.0% | $592-99.8% |