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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 | $3,724 | $22,714-83.6% | $59,496-93.7% | $55,191-93.3% |
| Participation rate | 41.9% | 37.5%+4.5pp | 54.6%-12.6pp | 69.2%-27.2pp |
| Annual return | -0.03% | -44.01%+44.0pp | 182.05%-182.1pp | 10.78%-10.8pp |
| Employer contribution / active EE | $76 | $418-81.8% | $1,153-93.4% | $1,899-96.0% |
| Participant deferral / active EE | $177 | $843-79.0% | $1,829-90.3% | $3,046-94.2% |
| Admin fee / account holder | $1 | $83-98.3% | $2,232-99.9% | $91-98.4% |