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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 | $9,422 | $98,766-90.5% | $149,730-93.7% | $79,852-88.2% |
| Participation rate | 50.8% | 75.8%-24.9pp | 82.5%-31.6pp | 69.6%-18.8pp |
| Annual return | 31.85% | 27.43%+4.4pp | 276.70%-244.8pp | 31.72%+0.1pp |
| Employer contribution / active EE | $1,333 | $3,217-58.6% | $4,645-71.3% | $2,471-46.0% |
| Participant deferral / active EE | $4,007 | $5,681-29.5% | $6,843-41.4% | $3,740+7.1% |
| Admin fee / account holder | $68 | $6,052-98.9% | $9,310-99.3% | $5,306-98.7% |