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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 | $17,234 | $60,545-71.5% | $92,240-81.3% | $69,631-75.3% |
| Participation rate | 46.6% | 72.2%-25.5pp | 76.5%-29.9pp | 70.7%-24.1pp |
| Annual return | 23.36% | 19.71%+3.6pp | 176.29%-152.9pp | 27571.02%-27547.7pp |
| Employer contribution / active EE | $667 | $2,633-74.7% | $3,680-81.9% | $2,032-67.2% |
| Participant deferral / active EE | $905 | $2,828-68.0% | $3,897-76.8% | $3,224-71.9% |
| Admin fee / account holder | $0 | $145-100.0% | $5,194-100.0% | $110-100.0% |