Filed October 1, 2024 (most recent of 5 filings on file)
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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 | $44,796 | $37,134+20.6% | $100,671-55.5% | $52,331-14.4% |
| Participation rate | 16.3% | 57.7%-41.4pp | 70.7%-54.5pp | 68.1%-51.9pp |
| Annual return | -3.45% | 0.10%-3.6pp | 20.43%-23.9pp | 4.54%-8.0pp |
| Employer contribution / active EE | $0 | $1,187-100.0% | $4,012-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $952 | $2,163-56.0% | $3,144-69.7% | $3,022-68.5% |
| Admin fee / account holder | $0 | $467-100.0% | $4,850-100.0% | $592-100.0% |