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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,494 | $39,286-75.8% | $80,741-88.2% | $79,391-88.0% |
| Participation rate | 26.2% | 41.0%-14.8pp | 54.2%-28.0pp | 70.7%-44.5pp |
| Annual return | 11.65% | 98.95%-87.3pp | 87.30%-75.7pp | 116.88%-105.2pp |
| Employer contribution / active EE | $123 | $594-79.4% | $1,160-89.4% | $2,428-95.0% |
| Participant deferral / active EE | $1,101 | $1,264-12.9% | $2,145-48.7% | $4,046-72.8% |
| Admin fee / account holder | $98 | $647-84.8% | $3,380-97.1% | $627-84.3% |