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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).
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 | $27,692 | $54,320-49.0% | $67,652-59.1% | $52,331-47.1% |
| Participation rate | 60.6% | 73.6%-13.0pp | 75.7%-15.1pp | 68.1%-7.5pp |
| Annual return | -2.65% | 6.81%-9.5pp | 6625.40%-6628.0pp | 4.54%-7.2pp |
| Employer contribution / active EE | $1,525 | $1,544-1.2% | $2,266-32.7% | $1,882-18.9% |
| Participant deferral / active EE | $3,623 | $2,950+22.8% | $3,560+1.8% | $3,022+19.9% |
| Admin fee / account holder | $22 | $527-95.9% | $4,821-99.6% | $592-96.3% |