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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,818 | $37,044-73.5% | $71,796-86.3% | $57,658-83.0% |
| Participation rate | 55.8% | 61.1%-5.3pp | 69.1%-13.3pp | 70.2%-14.4pp |
| Annual return | 7.03% | 12.64%-5.6pp | 78.04%-71.0pp | 5.13%+1.9pp |
| Employer contribution / active EE | $476 | $720-34.0% | $1,924-75.3% | $1,974-75.9% |
| Participant deferral / active EE | $787 | $1,974-60.1% | $2,794-71.8% | $3,061-74.3% |
| Admin fee / account holder | $2 | $101-97.9% | $4,815-100.0% | $95-97.8% |