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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,928 | $22,714-69.5% | $59,496-88.4% | $55,191-87.4% |
| Participation rate | 41.6% | 37.5%+4.2pp | 54.6%-12.9pp | 69.2%-27.5pp |
| Annual return | -0.04% | -44.01%+44.0pp | 182.05%-182.1pp | 10.78%-10.8pp |
| Employer contribution / active EE | $102 | $418-75.7% | $1,153-91.2% | $1,899-94.6% |
| Participant deferral / active EE | $269 | $843-68.1% | $1,829-85.3% | $3,046-91.2% |
| Admin fee / account holder | $21 | $83-74.6% | $2,232-99.1% | $91-76.7% |