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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.
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 | $3,730 | $63,114-94.1% | $92,903-96.0% | $65,185-94.3% |
| Participation rate | 37.5% | 68.8%-31.3pp | 76.0%-38.5pp | 70.2%-32.7pp |
| Annual return | 22.50% | 28.75%-6.3pp | 109.43%-86.9pp | 29.38%-6.9pp |
| Employer contribution / active EE | $1,021 | $2,571-60.3% | $3,653-72.0% | $2,177-53.1% |
| Participant deferral / active EE | $19 | $3,108-99.4% | $4,238-99.6% | $3,514-99.5% |
| Admin fee / account holder | $0 | $624-100.0% | $5,795-100.0% | $847-100.0% |