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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,975 | $47,922-79.2% | $75,894-86.9% | $65,185-84.7% |
| Participation rate | 35.0% | 63.0%-28.0pp | 69.3%-34.3pp | 70.2%-35.2pp |
| Annual return | 17.59% | 24.12%-6.5pp | 30.76%-13.2pp | 29.38%-11.8pp |
| Employer contribution / active EE | $427 | $1,557-72.6% | $2,501-82.9% | $2,177-80.4% |
| Participant deferral / active EE | $1,165 | $2,550-54.3% | $3,603-67.7% | $3,514-66.8% |
| Admin fee / account holder | $0 | $532-100.0% | $5,420-100.0% | $847-100.0% |