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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,570 | $84,482-94.6% | $125,363-96.4% | $66,930-93.2% |
| Participation rate | 13.9% | 76.4%-62.5pp | 82.4%-68.5pp | 69.8%-55.9pp |
| Annual return | -3.57% | -8.49%+4.9pp | 572.15%-575.7pp | 1.57%-5.1pp |
| Employer contribution / active EE | $0 | $3,553-100.0% | $4,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $701 | $6,782-89.7% | $7,447-90.6% | $4,238-83.4% |
| Admin fee / account holder | $62 | $685-91.0% | $10,005-99.4% | $593-89.6% |