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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $9,828 | $45,382-78.3% | $154,114-93.6% | $75,289-86.9% |
| Participation rate | 9.4% | 65.9%-56.5pp | 83.0%-73.7pp | 72.4%-63.1pp |
| Annual return | -2.32% | -0.47%-1.9pp | 735.16%-737.5pp | -0.04%-2.3pp |
| Employer contribution / active EE | $0 | $1,533-100.0% | $5,298-100.0% | $2,405-100.0% |
| Participant deferral / active EE | $501 | $2,384-79.0% | $5,081-90.1% | $3,739-86.6% |
| Admin fee / account holder | $40 | $89-55.7% | $13,411-99.7% | $102-61.3% |