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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,278 | $40,522-45.0% | $84,623-73.7% | $67,579-67.0% |
| Participation rate | 18.8% | 51.1%-32.3pp | 68.2%-49.4pp | 71.3%-52.5pp |
| Annual return | 21.27% | 32.72%-11.4pp | 258.77%-237.5pp | 378.56%-357.3pp |
| Employer contribution / active EE | $107 | $1,146-90.7% | $2,652-96.0% | $2,148-95.0% |
| Participant deferral / active EE | $533 | $2,132-75.0% | $3,899-86.3% | $3,539-84.9% |
| Admin fee / account holder | $15 | $145-89.6% | $4,913-99.7% | $142-89.3% |