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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 | $14,457 | $39,458-63.4% | $60,547-76.1% | $55,191-73.8% |
| Participation rate | 23.0% | 59.6%-36.6pp | 68.0%-44.9pp | 69.2%-46.1pp |
| Annual return | 4.88% | 3.35%+1.5pp | 335.64%-330.8pp | 10.78%-5.9pp |
| Employer contribution / active EE | $230 | $1,210-81.0% | $2,419-90.5% | $1,899-87.9% |
| Participant deferral / active EE | $647 | $2,140-69.8% | $3,328-80.6% | $3,046-78.8% |
| Admin fee / account holder | $5 | $95-94.6% | $4,536-99.9% | $91-94.3% |