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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 | $6,803 | $59,220-88.5% | $96,570-93.0% | $79,391-91.4% |
| Participation rate | 36.1% | 61.9%-25.8pp | 69.8%-33.7pp | 70.7%-34.6pp |
| Annual return | 12.73% | 27.08%-14.4pp | 37.79%-25.1pp | 116.88%-104.2pp |
| Employer contribution / active EE | $0 | $1,216-100.0% | $2,357-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $1,063 | $2,948-63.9% | $3,849-72.4% | $4,046-73.7% |
| Admin fee / account holder | $140 | $659-78.7% | $6,182-97.7% | $627-77.6% |