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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,387 | $100,041-86.6% | $149,718-91.1% | $70,131-80.9% |
| Participation rate | 53.3% | 83.6%-30.3pp | 87.1%-33.7pp | 69.5%-16.2pp |
| Annual return | 26.24% | 27.43%-1.2pp | 1501.70%-1475.5pp | 73.14%-46.9pp |
| Employer contribution / active EE | $1,438 | $3,662-60.7% | $5,444-73.6% | $2,342-38.6% |
| Participant deferral / active EE | $3,333 | $4,983-33.1% | $6,568-49.3% | $3,3320% |
| Admin fee / account holder | $18 | $8,286-99.8% | $11,283-99.8% | $4,645-99.6% |