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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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $5,176 | $59,456-91.3% | $93,681-94.5% | $74,400-93.0% |
| Participation rate | 57.5% | 59.6%-2.2pp | 68.7%-11.3pp | 67.2%-9.7pp |
| Annual return | 9.26% | 82.00%-72.7pp | 133.47%-124.2pp | 1367.51%-1358.2pp |
| Employer contribution / active EE | $469 | $1,266-63.0% | $2,422-80.6% | $2,624-82.1% |
| Participant deferral / active EE | $1,352 | $3,052-55.7% | $4,415-69.4% | $4,348-68.9% |
| Admin fee / account holder | $68 | $3,026-97.7% | $8,290-99.2% | $1,944-96.5% |