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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,474 | $51,466-68.0% | $78,778-79.1% | $62,293-73.6% |
| Participation rate | 47.7% | 59.8%-12.1pp | 69.2%-21.5pp | 69.5%-21.8pp |
| Annual return | 15.06% | 19.96%-4.9pp | 35.62%-20.6pp | 28.90%-13.8pp |
| Employer contribution / active EE | $232 | $827-72.0% | $1,986-88.3% | $2,042-88.7% |
| Participant deferral / active EE | $655 | $2,147-69.5% | $2,958-77.9% | $3,169-79.3% |
| Admin fee / account holder | $1 | $489-99.8% | $5,134-100.0% | $479-99.8% |