Filed July 29, 2024
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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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,825 | $37,117-27.7% | $147,617-81.8% | $55,191-51.4% |
| Participation rate | 25.2% | 63.6%-38.4pp | 84.6%-59.5pp | 69.2%-44.0pp |
| Annual return | -1.65% | 3.44%-5.1pp | 61.98%-63.6pp | 10.78%-12.4pp |
| Employer contribution / active EE | $235 | $1,620-85.5% | $5,564-95.8% | $1,899-87.6% |
| Participant deferral / active EE | $768 | $1,985-61.3% | $4,895-84.3% | $3,046-74.8% |
| Admin fee / account holder | $0 | $86-100.0% | $11,612-100.0% | $91-100.0% |