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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 | $7,144 | $31,679-77.4% | $74,719-90.4% | $65,185-89.0% |
| Participation rate | 32.8% | 40.4%-7.5pp | 54.5%-21.6pp | 70.2%-37.4pp |
| Annual return | 19.21% | 39.04%-19.8pp | 753.05%-733.8pp | 29.38%-10.2pp |
| Employer contribution / active EE | $178 | $566-68.5% | $1,084-83.5% | $2,177-91.8% |
| Participant deferral / active EE | $293 | $1,191-75.4% | $1,963-85.1% | $3,514-91.7% |
| Admin fee / account holder | $0 | $379-100.0% | $3,334-100.0% | $847-100.0% |