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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,074 | $23,385-78.3% | $69,182-92.7% | $57,658-91.2% |
| Participation rate | 43.5% | 37.9%+5.6pp | 55.1%-11.6pp | 70.2%-26.7pp |
| Annual return | 19.58% | -659.34%+678.9pp | -21.93%+41.5pp | 5.13%+14.4pp |
| Employer contribution / active EE | $370 | $422-12.3% | $1,206-69.3% | $1,974-81.2% |
| Participant deferral / active EE | $647 | $843-23.2% | $1,897-65.9% | $3,061-78.9% |
| Admin fee / account holder | $52 | $82-37.0% | $2,697-98.1% | $95-45.2% |