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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).
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 | $14,760 | $70,587-79.1% | $124,693-88.2% | $85,847-82.8% |
| Participation rate | 47.3% | 64.4%-17.1pp | 74.6%-27.3pp | 69.3%-22.0pp |
| Annual return | 39.37% | 20688.83%-20649.5pp | 5144.19%-5104.8pp | 318.61%-279.2pp |
| Employer contribution / active EE | $571 | $1,913-70.1% | $3,324-82.8% | $2,565-77.7% |
| Participant deferral / active EE | $1,103 | $2,969-62.9% | $4,615-76.1% | $3,952-72.1% |
| Admin fee / account holder | $16 | $5,282-99.7% | $7,494-99.8% | $6,261-99.7% |