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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,550 | $69,383-68.9% | $101,275-78.7% | $73,497-70.7% |
| Participation rate | 42.9% | 68.4%-25.5pp | 75.8%-32.9pp | 70.7%-27.8pp |
| Annual return | 20.67% | 18.46%+2.2pp | 46.48%-25.8pp | 28.51%-7.8pp |
| Employer contribution / active EE | $965 | $2,628-63.3% | $3,660-73.6% | $2,270-57.5% |
| Participant deferral / active EE | $2,614 | $3,301-20.8% | $4,371-40.2% | $3,740-30.1% |
| Admin fee / account holder | $30 | $704-95.8% | $5,948-99.5% | $513-94.2% |