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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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $23,877 | $49,138-51.4% | $84,021-71.6% | $65,185-63.4% |
| Participation rate | 37.7% | 60.7%-23.0pp | 69.0%-31.3pp | 70.2%-32.5pp |
| Annual return | 20.48% | 23.00%-2.5pp | 71.32%-50.8pp | 29.38%-8.9pp |
| Employer contribution / active EE | $0 | $914-100.0% | $1,984-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,978 | $2,397-17.5% | $3,239-38.9% | $3,514-43.7% |
| Admin fee / account holder | $10 | $543-98.2% | $6,102-99.8% | $847-98.8% |