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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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $15,165 | $47,448-68.0% | $94,993-84.0% | $62,293-75.7% |
| Participation rate | 54.1% | 66.5%-12.4pp | 73.9%-19.8pp | 69.5%-15.5pp |
| Annual return | 18.88% | 22.64%-3.8pp | 27.14%-8.3pp | 28.90%-10.0pp |
| Employer contribution / active EE | $924 | $1,300-28.9% | $2,603-64.5% | $2,042-54.8% |
| Participant deferral / active EE | $1,538 | $2,375-35.2% | $3,317-53.6% | $3,169-51.5% |
| Admin fee / account holder | $23 | $434-94.7% | $4,960-99.5% | $479-95.2% |