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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,488 | $101,672-69.0% | $147,117-78.6% | $74,478-57.7% |
| Participation rate | 61.6% | 75.5%-13.9pp | 82.2%-20.5pp | 67.2%-5.6pp |
| Annual return | 14.61% | 8757.83%-8743.2pp | 420.54%-405.9pp | 1370.56%-1355.9pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,932-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $5,692 | $7,305-22.1% | $8,065-29.4% | $4,350+30.8% |
| Admin fee / account holder | $224 | $1,753-87.2% | $12,993-98.3% | $1,946-88.5% |