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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $14,723 | $63,314-76.7% | $91,004-83.8% | $62,293-76.4% |
| Participation rate | 62.7% | 73.3%-10.6pp | 75.6%-12.9pp | 69.5%-6.8pp |
| Annual return | 40.41% | 21.00%+19.4pp | 4.60%+35.8pp | 28.90%+11.5pp |
| Employer contribution / active EE | $1,145 | $1,807-36.6% | $2,456-53.4% | $2,042-43.9% |
| Participant deferral / active EE | $2,020 | $2,944-31.4% | $3,548-43.1% | $3,169-36.3% |
| Admin fee / account holder | $22 | $468-95.2% | $5,417-99.6% | $479-95.3% |