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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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,346 | $35,986-79.6% | $77,552-90.5% | $73,497-90.0% |
| Participation rate | 27.7% | 40.8%-13.1pp | 54.2%-26.5pp | 70.7%-43.0pp |
| Annual return | 13.11% | 19.26%-6.1pp | 54.82%-41.7pp | 28.51%-15.4pp |
| Employer contribution / active EE | $113 | $557-79.7% | $987-88.5% | $2,270-95.0% |
| Participant deferral / active EE | $785 | $1,198-34.5% | $1,861-57.8% | $3,740-79.0% |
| Admin fee / account holder | $42 | $466-91.0% | $2,859-98.5% | $513-91.9% |