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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,769 | $57,752-65.8% | $112,273-82.4% | $71,511-72.4% |
| Participation rate | 65.8% | 58.8%+6.9pp | 72.4%-6.7pp | 67.9%-2.2pp |
| Annual return | 13.99% | 18.25%-4.3pp | 30.23%-16.2pp | 28.86%-14.9pp |
| Employer contribution / active EE | $458 | $1,912-76.1% | $3,431-86.7% | $2,589-82.3% |
| Participant deferral / active EE | $1,939 | $2,860-32.2% | $4,800-59.6% | $4,291-54.8% |
| Admin fee / account holder | $18 | $1,586-98.8% | $7,752-99.8% | $1,588-98.8% |