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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 | $9,972 | $64,871-84.6% | $129,118-92.3% | $66,938-85.1% |
| Participation rate | 47.7% | 74.0%-26.2pp | 77.2%-29.5pp | 69.8%-22.1pp |
| Annual return | -37.16% | -12.21%-25.0pp | -10.94%-26.2pp | 1.58%-38.7pp |
| Employer contribution / active EE | $1,798 | $3,741-51.9% | $5,051-64.4% | $2,545-29.4% |
| Participant deferral / active EE | $3,399 | $5,090-33.2% | $6,539-48.0% | $4,238-19.8% |
| Admin fee / account holder | $26 | $629-95.9% | $14,305-99.8% | $594-95.7% |