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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,779 | $89,739-73.5% | $149,721-84.1% | $62,293-61.8% |
| Participation rate | 46.9% | 85.1%-38.2pp | 87.1%-40.2pp | 69.5%-22.6pp |
| Annual return | 21.84% | 21.01%+0.8pp | 1501.67%-1479.8pp | 28.90%-7.1pp |
| Employer contribution / active EE | $0 | $3,233-100.0% | $5,444-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,010 | $4,797-78.9% | $6,568-84.6% | $3,169-68.1% |
| Admin fee / account holder | $0 | $551-100.0% | $11,282-100.0% | $479-100.0% |