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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 | $17,240 | $75,183-77.1% | $123,894-86.1% | $55,167-68.7% |
| Participation rate | 28.3% | 72.8%-44.5pp | 81.4%-53.1pp | 69.0%-40.7pp |
| Annual return | 7.79% | 19.01%-11.2pp | 47.52%-39.7pp | 169.23%-161.4pp |
| Employer contribution / active EE | $0 | $2,823-100.0% | $4,617-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,425 | $5,084-72.0% | $5,984-76.2% | $3,054-53.3% |
| Admin fee / account holder | $10 | $663-98.4% | $8,357-99.9% | $504-98.0% |