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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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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).
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 | $19,895 | $59,191-66.4% | $76,767-74.1% | $56,289-64.7% |
| Participation rate | 38.3% | 75.2%-36.9pp | 77.0%-38.6pp | 69.9%-31.5pp |
| Annual return | -3.66% | 6.62%-10.3pp | 2.43%-6.1pp | -9.96%+6.3pp |
| Employer contribution / active EE | $0 | $1,759-100.0% | $2,485-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $1,336 | $3,255-59.0% | $3,852-65.3% | $3,350-60.1% |
| Admin fee / account holder | $0 | $489-100.0% | $6,675-100.0% | $521-100.0% |