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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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 | $10,318 | $42,367-75.6% | $79,576-87.0% | $64,814-84.1% |
| Participation rate | 9.0% | 64.7%-55.7pp | 69.5%-60.5pp | 71.5%-62.5pp |
| Annual return | 54.53% | -12.23%+66.8pp | 0.15%+54.4pp | 32.84%+21.7pp |
| Employer contribution / active EE | $0 | $1,181-100.0% | $2,413-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $345 | $3,170-89.1% | $3,985-91.3% | $4,310-92.0% |
| Admin fee / account holder | $27 | $160-83.0% | $6,834-99.6% | $188-85.6% |