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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,206 | $42,546-54.9% | $71,796-73.2% | $55,167-65.2% |
| Participation rate | 58.6% | 59.1%-0.6pp | 69.1%-10.6pp | 69.0%-10.4pp |
| Annual return | 8.43% | 12.36%-3.9pp | 78.04%-69.6pp | 169.23%-160.8pp |
| Employer contribution / active EE | $323 | $803-59.8% | $1,924-83.2% | $1,963-83.5% |
| Participant deferral / active EE | $917 | $2,064-55.6% | $2,794-67.2% | $3,054-70.0% |
| Admin fee / account holder | $3 | $650-99.5% | $4,815-99.9% | $504-99.3% |