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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 | $67,140 | $51,466+30.5% | $78,778-14.8% | $62,293+7.8% |
| Participation rate | 61.0% | 59.8%+1.2pp | 69.2%-8.2pp | 69.5%-8.5pp |
| Annual return | 16.86% | 19.96%-3.1pp | 35.62%-18.8pp | 28.90%-12.0pp |
| Employer contribution / active EE | $0 | $827-100.0% | $1,986-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $3,382 | $2,147+57.5% | $2,958+14.3% | $3,169+6.7% |
| Admin fee / account holder | $12 | $489-97.5% | $5,134-99.8% | $479-97.4% |