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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 | $26,046 | $39,948-34.8% | $89,414-70.9% | $73,412-64.5% |
| Participation rate | 18.2% | 50.4%-32.2pp | 68.0%-49.8pp | 72.2%-54.0pp |
| Annual return | 17.76% | 50.12%-32.4pp | 245.50%-227.7pp | 59.30%-41.5pp |
| Employer contribution / active EE | $83 | $1,200-93.1% | $2,586-96.8% | $2,234-96.3% |
| Participant deferral / active EE | $552 | $2,193-74.8% | $3,890-85.8% | $3,806-85.5% |
| Admin fee / account holder | $9 | $134-93.4% | $4,883-99.8% | $158-94.4% |