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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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).
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 | $8,128 | $31,679-74.3% | $74,722-89.1% | $65,185-87.5% |
| Participation rate | 60.4% | 40.4%+20.0pp | 54.5%+5.9pp | 70.2%-9.8pp |
| Annual return | 14.80% | 39.04%-24.2pp | 753.11%-738.3pp | 29.38%-14.6pp |
| Employer contribution / active EE | $534 | $566-5.7% | $1,084-50.8% | $2,177-75.5% |
| Participant deferral / active EE | $606 | $1,191-49.1% | $1,963-69.1% | $3,514-82.8% |
| Admin fee / account holder | $74 | $379-80.3% | $3,335-97.8% | $847-91.2% |