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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,471 | $58,726-78.8% | $92,239-86.5% | $62,293-80.0% |
| Participation rate | 35.0% | 68.3%-33.4pp | 76.5%-41.5pp | 69.5%-34.6pp |
| Annual return | 16.35% | 43.62%-27.3pp | 176.29%-159.9pp | 28.90%-12.6pp |
| Employer contribution / active EE | $0 | $2,392-100.0% | $3,680-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,439 | $2,766-48.0% | $3,897-63.1% | $3,169-54.6% |
| Admin fee / account holder | $88 | $556-84.1% | $5,194-98.3% | $479-81.6% |