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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.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $11,443 | $80,753-85.8% | $136,298-91.6% | $62,293-81.6% |
| Participation rate | 46.7% | 73.5%-26.9pp | 81.9%-35.3pp | 69.5%-22.8pp |
| Annual return | 7.89% | 35.83%-27.9pp | 5156.27%-5148.4pp | 28.90%-21.0pp |
| Employer contribution / active EE | $608 | $2,884-78.9% | $4,696-87.0% | $2,042-70.2% |
| Participant deferral / active EE | $1,759 | $5,164-65.9% | $6,247-71.8% | $3,169-44.5% |
| Admin fee / account holder | $4 | $525-99.3% | $9,244-100.0% | $479-99.3% |