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Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $8,491 | $76,551-88.9% | $123,894-93.1% | $62,881-86.5% |
| Participation rate | 87.3% | 73.0%+14.4pp | 81.4%+5.9pp | 69.3%+18.0pp |
| Annual return | 4.15% | 18.68%-14.5pp | 47.52%-43.4pp | 20.14%-16.0pp |
| Employer contribution / active EE | $583 | $2,882-79.8% | $4,617-87.4% | $2,281-74.4% |
| Participant deferral / active EE | $3,098 | $4,840-36.0% | $5,984-48.2% | $3,203-3.3% |
| Admin fee / account holder | $12 | $4,826-99.8% | $8,357-99.9% | $4,296-99.7% |