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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $21,575 | $80,177-73.1% | $123,894-82.6% | $57,658-62.6% |
| Participation rate | 45.6% | 74.4%-28.8pp | 81.4%-35.8pp | 70.2%-24.6pp |
| Annual return | 9.41% | 17.90%-8.5pp | 47.52%-38.1pp | 5.13%+4.3pp |
| Employer contribution / active EE | $414 | $2,913-85.8% | $4,617-91.0% | $1,974-79.0% |
| Participant deferral / active EE | $2,444 | $5,130-52.4% | $5,984-59.2% | $3,061-20.1% |
| Admin fee / account holder | $58 | $106-45.3% | $8,357-99.3% | $95-38.5% |