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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,822 | $64,359-83.2% | $90,161-88.0% | $70,124-84.6% |
| Participation rate | 50.7% | 70.4%-19.7pp | 76.9%-26.2pp | 69.5%-18.8pp |
| Annual return | 16.31% | 28.13%-11.8pp | 34.89%-18.6pp | 73.14%-56.8pp |
| Employer contribution / active EE | $422 | $2,046-79.3% | $3,318-87.3% | $2,342-82.0% |
| Participant deferral / active EE | $962 | $4,389-78.1% | $5,287-81.8% | $3,332-71.1% |
| Admin fee / account holder | $186 | $3,945-95.3% | $5,943-96.9% | $4,645-96.0% |