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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $6,507 | $44,873-85.5% | $79,467-91.8% | $56,289-88.4% |
| Participation rate | 59.8% | 68.7%-8.9pp | 73.3%-13.5pp | 69.9%-10.0pp |
| Annual return | -4.18% | 0.81%-5.0pp | 718.30%-722.5pp | -9.96%+5.8pp |
| Employer contribution / active EE | $439 | $2,140-79.5% | $2,800-84.3% | $2,111-79.2% |
| Participant deferral / active EE | $1,025 | $2,746-62.7% | $3,704-72.3% | $3,350-69.4% |
| Admin fee / account holder | $68 | $418-83.9% | $5,104-98.7% | $521-87.0% |