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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 | $28,103 | $78,428-64.2% | $95,960-70.7% | $79,852-64.8% |
| Participation rate | 67.4% | 73.5%-6.1pp | 77.1%-9.7pp | 69.6%-2.2pp |
| Annual return | 14.78% | 19.37%-4.6pp | 91.63%-76.9pp | 31.72%-16.9pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,046 | $3,440-40.5% | $4,167-50.9% | $3,740-45.3% |
| Admin fee / account holder | $22 | $5,622-99.6% | $6,797-99.7% | $5,306-99.6% |