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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,467 | $32,425-70.8% | $74,577-87.3% | $55,167-82.8% |
| Participation rate | 9.9% | 54.0%-44.1pp | 68.1%-58.2pp | 69.0%-59.1pp |
| Annual return | 31.07% | 10.63%+20.4pp | 20.47%+10.6pp | 169.23%-138.2pp |
| Employer contribution / active EE | $0 | $1,043-100.0% | $2,525-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $973 | $1,995-51.2% | $3,458-71.9% | $3,054-68.1% |
| Admin fee / account holder | $41 | $748-94.5% | $4,138-99.0% | $504-91.8% |