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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).
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 | $16,296 | $66,486-75.5% | $81,370-80.0% | $77,762-79.0% |
| Participation rate | 34.0% | 68.7%-34.7pp | 69.5%-35.5pp | 70.6%-36.6pp |
| Annual return | 31.01% | 15.95%+15.1pp | 24.85%+6.2pp | 31.27%-0.3pp |
| Employer contribution / active EE | $697 | $2,158-67.7% | $2,464-71.7% | $2,728-74.4% |
| Participant deferral / active EE | $1,340 | $3,677-63.6% | $3,885-65.5% | $4,651-71.2% |
| Admin fee / account holder | $82 | $586-86.0% | $5,749-98.6% | $433-81.1% |