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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $26,150 | $70,917-63.1% | $98,920-73.6% | $73,497-64.4% |
| Participation rate | 66.3% | 73.8%-7.5pp | 76.0%-9.8pp | 70.7%-4.4pp |
| Annual return | 148.71% | 34.18%+114.5pp | 196.47%-47.8pp | 28.51%+120.2pp |
| Employer contribution / active EE | $2,097 | $2,037+3.0% | $2,689-22.0% | $2,270-7.6% |
| Participant deferral / active EE | $3,918 | $3,501+11.9% | $4,245-7.7% | $3,740+4.8% |
| Admin fee / account holder | $8 | $535-98.4% | $6,643-99.9% | $513-98.4% |