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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 | $35,315 | $89,739-60.6% | $149,721-76.4% | $62,293-43.3% |
| Participation rate | 58.5% | 85.1%-26.6pp | 87.1%-28.6pp | 69.5%-11.0pp |
| Annual return | 18.46% | 21.01%-2.6pp | 1501.67%-1483.2pp | 28.90%-10.4pp |
| Employer contribution / active EE | $1,519 | $3,233-53.0% | $5,444-72.1% | $2,042-25.6% |
| Participant deferral / active EE | $2,552 | $4,797-46.8% | $6,568-61.1% | $3,169-19.5% |
| Admin fee / account holder | $37 | $551-93.2% | $11,282-99.7% | $479-92.2% |