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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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).
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 | $12,485 | $46,732-73.3% | $156,552-92.0% | $55,167-77.4% |
| Participation rate | 23.5% | 65.8%-42.3pp | 84.0%-60.5pp | 69.0%-45.5pp |
| Annual return | 6.51% | 17.72%-11.2pp | 32.23%-25.7pp | 169.23%-162.7pp |
| Employer contribution / active EE | $213 | $2,105-89.9% | $5,501-96.1% | $1,963-89.1% |
| Participant deferral / active EE | $724 | $2,204-67.1% | $4,871-85.1% | $3,054-76.3% |
| Admin fee / account holder | $33 | $418-92.1% | $13,028-99.7% | $504-93.5% |