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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.
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 | $20,053 | $50,898-60.6% | $171,082-88.3% | $55,167-63.7% |
| Participation rate | 75.2% | 63.3%+11.9pp | 76.7%-1.5pp | 69.0%+6.2pp |
| Annual return | 5.39% | 15.34%-10.0pp | 32.56%-27.2pp | 169.23%-163.8pp |
| Employer contribution / active EE | $560 | $1,433-60.9% | $4,002-86.0% | $1,963-71.5% |
| Participant deferral / active EE | $1,560 | $2,994-47.9% | $4,797-67.5% | $3,054-48.9% |
| Admin fee / account holder | $33 | $500-93.4% | $8,520-99.6% | $504-93.5% |