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Employer 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 | $18,881 | $73,102-74.2% | $123,552-84.7% | $56,287-66.5% |
| Participation rate | 70.1% | 74.3%-4.2pp | 82.3%-12.2pp | 69.9%+0.2pp |
| Annual return | -6.48% | 3.01%-9.5pp | 119.20%-125.7pp | -9.96%+3.5pp |
| Employer contribution / active EE | $619 | $2,977-79.2% | $4,628-86.6% | $2,111-70.7% |
| Participant deferral / active EE | $7,251 | $5,423+33.7% | $6,426+12.8% | $3,350+116.5% |
| Admin fee / account holder | $128 | $554-76.9% | $9,285-98.6% | $521-75.4% |