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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,850 | $46,722-72.5% | $130,660-90.2% | $65,186-80.3% |
| Participation rate | 27.6% | 60.9%-33.3pp | 71.7%-44.1pp | 70.2%-42.6pp |
| Annual return | 40.98% | 24.17%+16.8pp | 1709.29%-1668.3pp | 29.39%+11.6pp |
| Employer contribution / active EE | $374 | $1,488-74.8% | $4,092-90.9% | $2,177-82.8% |
| Participant deferral / active EE | $689 | $2,545-72.9% | $3,603-80.9% | $3,514-80.4% |
| Admin fee / account holder | $3 | $453-99.3% | $5,463-99.9% | $847-99.6% |