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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,995 | $50,898-70.5% | $171,082-91.2% | $55,167-72.8% |
| Participation rate | 55.7% | 63.3%-7.5pp | 76.7%-21.0pp | 69.0%-13.3pp |
| Annual return | 6.10% | 15.34%-9.2pp | 32.56%-26.5pp | 169.23%-163.1pp |
| Employer contribution / active EE | $378 | $1,433-73.6% | $4,002-90.5% | $1,963-80.7% |
| Participant deferral / active EE | $991 | $2,994-66.9% | $4,797-79.3% | $3,054-67.6% |
| Admin fee / account holder | $17 | $500-96.5% | $8,520-99.8% | $504-96.5% |