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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 | $4,915 | $62,132-92.1% | $185,835-97.4% | $73,493-93.3% |
| Participation rate | 36.8% | 67.8%-31.0pp | 78.0%-41.2pp | 70.7%-33.9pp |
| Annual return | 32.22% | 20.44%+11.8pp | 35.96%-3.7pp | 28.51%+3.7pp |
| Employer contribution / active EE | $0 | $1,681-100.0% | $4,087-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $1,185 | $3,711-68.1% | $5,633-79.0% | $3,740-68.3% |
| Admin fee / account holder | $7 | $419-98.3% | $9,502-99.9% | $513-98.6% |