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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 | $11,291 | $48,064-76.5% | $78,778-85.7% | $69,631-83.8% |
| Participation rate | 58.6% | 61.6%-2.9pp | 69.2%-10.5pp | 70.7%-12.0pp |
| Annual return | 21.71% | 21.81%-0.1pp | 35.62%-13.9pp | 27571.02%-27549.3pp |
| Employer contribution / active EE | $535 | $744-28.0% | $1,986-73.0% | $2,032-73.7% |
| Participant deferral / active EE | $839 | $2,079-59.7% | $2,958-71.6% | $3,224-74.0% |
| Admin fee / account holder | $4 | $152-97.5% | $5,134-99.9% | $110-96.5% |