Filed January 11, 2022
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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 | $15,076 | $60,165-74.9% | $74,184-79.7% | $55,167-72.7% |
| Participation rate | 64.4% | 74.2%-9.7pp | 76.6%-12.2pp | 69.0%-4.6pp |
| Annual return | 12.34% | 10.00%+2.3pp | 17.74%-5.4pp | 169.23%-156.9pp |
| Employer contribution / active EE | $1,486 | $1,600-7.1% | $2,370-37.3% | $1,963-24.3% |
| Participant deferral / active EE | $3,219 | $2,973+8.3% | $3,550-9.3% | $3,054+5.4% |
| Admin fee / account holder | $10 | $419-97.5% | $5,586-99.8% | $504-97.9% |