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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 | $6,175 | $46,297-86.7% | $71,671-91.4% | $62,293-90.1% |
| Participation rate | 38.8% | 60.6%-21.8pp | 68.7%-29.9pp | 69.5%-30.7pp |
| Annual return | 17.40% | 22.32%-4.9pp | 20.65%-3.2pp | 28.90%-11.5pp |
| Employer contribution / active EE | $285 | $1,412-79.8% | $2,460-88.4% | $2,042-86.0% |
| Participant deferral / active EE | $1,102 | $2,235-50.7% | $3,438-67.9% | $3,169-65.2% |
| Admin fee / account holder | $34 | $461-92.6% | $5,558-99.4% | $479-92.9% |