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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,995 | $45,126-55.7% | $85,187-76.5% | $74,459-73.1% |
| Participation rate | 62.6% | 49.4%+13.2pp | 67.5%-5.0pp | 67.2%-4.7pp |
| Annual return | 11.07% | 26.30%-15.2pp | 66.67%-55.6pp | 1369.70%-1358.6pp |
| Employer contribution / active EE | $272 | $1,460-81.4% | $2,732-90.1% | $2,626-89.6% |
| Participant deferral / active EE | $2,108 | $2,738-23.0% | $4,525-53.4% | $4,350-51.5% |
| Admin fee / account holder | $180 | $2,212-91.9% | $6,162-97.1% | $1,945-90.8% |