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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 | $13,110 | $45,566-71.2% | $64,105-79.5% | $59,633-78.0% |
| Participation rate | 54.4% | 60.2%-5.7pp | 68.2%-13.7pp | 68.7%-14.2pp |
| Annual return | -2.51% | 4.95%-7.5pp | 791.24%-793.8pp | 2041.45%-2044.0pp |
| Employer contribution / active EE | $0 | $934-100.0% | $1,820-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,258 | $2,057-38.8% | $2,822-55.4% | $3,192-60.6% |
| Admin fee / account holder | $48 | $3,268-98.5% | $4,499-98.9% | $4,297-98.9% |