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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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $19,428 | $25,723-24.5% | $69,182-71.9% | $55,167-64.8% |
| Participation rate | 44.3% | 39.4%+4.9pp | 55.1%-10.8pp | 69.0%-24.7pp |
| Annual return | 2.28% | 9.56%-7.3pp | -21.93%+24.2pp | 169.23%-166.9pp |
| Employer contribution / active EE | $439 | $480-8.7% | $1,206-63.6% | $1,963-77.6% |
| Participant deferral / active EE | $952 | $963-1.1% | $1,897-49.8% | $3,054-68.8% |
| Admin fee / account holder | $124 | $365-66.0% | $2,697-95.4% | $504-75.4% |