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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,409 | $82,188-77.6% | $125,391-85.3% | $64,824-71.6% |
| Participation rate | 48.6% | 77.9%-29.3pp | 82.4%-33.8pp | 71.5%-22.9pp |
| Annual return | -18.39% | 3.50%-21.9pp | 572.41%-590.8pp | 32.84%-51.2pp |
| Employer contribution / active EE | $1,292 | $3,617-64.3% | $4,816-73.2% | $2,507-48.5% |
| Participant deferral / active EE | $3,701 | $7,177-48.4% | $7,448-50.3% | $4,311-14.2% |
| Admin fee / account holder | $59 | $163-63.8% | $10,009-99.4% | $188-68.6% |