Filed November 17, 2023
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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,064 | $74,552-74.4% | $63,005-69.7% | $69,631-72.6% |
| Participation rate | 49.7% | 78.3%-28.6pp | 74.8%-25.1pp | 70.7%-21.0pp |
| Annual return | 20.48% | 15.77%+4.7pp | 87.59%-67.1pp | 27571.02%-27550.5pp |
| Employer contribution / active EE | $1,168 | $2,929-60.1% | $2,760-57.7% | $2,032-42.5% |
| Participant deferral / active EE | $1,825 | $2,974-38.6% | $3,329-45.2% | $3,224-43.4% |
| Admin fee / account holder | $9 | $59-84.4% | $3,599-99.7% | $110-91.6% |