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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 | $8,804 | $70,486-87.5% | $100,528-91.2% | $79,852-89.0% |
| Participation rate | 24.2% | 73.6%-49.4pp | 79.4%-55.2pp | 69.6%-45.4pp |
| Annual return | 22.72% | 21.90%+0.8pp | 30.90%-8.2pp | 31.72%-9.0pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,260 | $5,182-56.4% | $6,271-64.0% | $3,740-39.6% |
| Admin fee / account holder | $22 | $4,480-99.5% | $8,084-99.7% | $5,306-99.6% |