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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 | $887 | $29,525-97.0% | $56,033-98.4% | $77,736-98.9% |
| Participation rate | 15.7% | 32.7%-16.9pp | 52.5%-36.8pp | 70.6%-54.8pp |
| Annual return | 0.00% | 18.90%-18.9pp | 1711.38%-1711.4pp | 31.26%-31.3pp |
| Employer contribution / active EE | $0 | $569-100.0% | $1,041-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $325 | $1,062-69.4% | $1,954-83.4% | $4,651-93.0% |
| Admin fee / account holder | $2 | $1,040-99.8% | $2,827-99.9% | $433-99.6% |