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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).
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 | $21,610 | $80,753-73.2% | $136,298-84.1% | $62,293-65.3% |
| Participation rate | 49.5% | 73.5%-24.0pp | 81.9%-32.4pp | 69.5%-20.0pp |
| Annual return | 19.41% | 35.83%-16.4pp | 5156.27%-5136.9pp | 28.90%-9.5pp |
| Employer contribution / active EE | $1,225 | $2,884-57.5% | $4,696-73.9% | $2,042-40.0% |
| Participant deferral / active EE | $4,048 | $5,164-21.6% | $6,247-35.2% | $3,169+27.7% |
| Admin fee / account holder | $72 | $525-86.4% | $9,244-99.2% | $479-85.1% |