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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,023 | $65,083-89.2% | $143,788-95.1% | $66,930-89.5% |
| Participation rate | 33.6% | 65.2%-31.6pp | 80.3%-46.7pp | 69.8%-36.2pp |
| Annual return | -12.40% | -11.13%-1.3pp | -0.03%-12.4pp | 1.57%-14.0pp |
| Employer contribution / active EE | $541 | $2,361-77.1% | $4,952-89.1% | $2,545-78.8% |
| Participant deferral / active EE | $981 | $2,920-66.4% | $5,638-82.6% | $4,238-76.8% |
| Admin fee / account holder | $0 | $502-100.0% | $14,675-100.0% | $593-100.0% |