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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 | $12,564 | $155,795-91.9% | $136,298-90.8% | $69,631-82.0% |
| Participation rate | 4.1% | 75.2%-71.1pp | 81.9%-77.8pp | 70.7%-66.6pp |
| Annual return | 28.84% | 232464.33%-232435.5pp | 5156.27%-5127.4pp | 27571.02%-27542.2pp |
| Employer contribution / active EE | $0 | $2,991-100.0% | $4,696-100.0% | $2,032-100.0% |
| Participant deferral / active EE | $423 | $5,394-92.2% | $6,247-93.2% | $3,224-86.9% |
| Admin fee / account holder | $0 | $128-100.0% | $9,244-100.0% | $110-100.0% |