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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 | $11,632 | $56,047-79.2% | $98,716-88.2% | $79,634-85.4% |
| Participation rate | 64.4% | 54.6%+9.8pp | 69.3%-4.9pp | 62.5%+1.9pp |
| Annual return | 16.33% | 17.58%-1.2pp | 31.81%-15.5pp | 36.46%-20.1pp |
| Employer contribution / active EE | $249 | $1,237-79.8% | $2,279-89.1% | $2,529-90.1% |
| Participant deferral / active EE | $283 | $2,469-88.5% | $4,048-93.0% | $3,835-92.6% |
| Admin fee / account holder | $25 | $1,512-98.4% | $8,703-99.7% | $1,002-97.5% |