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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $13,151 | $63,156-79.2% | $122,354-89.3% | $62,293-78.9% |
| Participation rate | 69.0% | 60.0%+9.0pp | 71.6%-2.6pp | 69.5%-0.5pp |
| Annual return | 17.03% | 20.61%-3.6pp | 30.28%-13.3pp | 28.90%-11.9pp |
| Employer contribution / active EE | $369 | $1,385-73.3% | $4,051-90.9% | $2,042-81.9% |
| Participant deferral / active EE | $1,511 | $2,321-34.9% | $3,287-54.0% | $3,169-52.3% |
| Admin fee / account holder | $58 | $440-86.7% | $5,479-98.9% | $479-87.8% |