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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 | $6,239 | $36,694-83.0% | $40,145,923-100.0% | $55,167-88.7% |
| Participation rate | 25.2% | 57.2%-32.0pp | 68.4%-43.2pp | 69.0%-43.8pp |
| Annual return | 33.88% | 10.16%+23.7pp | 5.24%+28.6pp | 169.23%-135.4pp |
| Employer contribution / active EE | $297 | $1,135-73.8% | $1,844-83.9% | $1,963-84.9% |
| Participant deferral / active EE | $667 | $1,679-60.2% | $2,591-74.2% | $3,054-78.1% |
| Admin fee / account holder | $8 | $175-95.5% | $2,903-99.7% | $504-98.4% |