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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $17,014 | $38,969-56.3% | $109,313-84.4% | $55,167-69.2% |
| Participation rate | 66.8% | 58.2%+8.6pp | 71.3%-4.4pp | 69.0%-2.2pp |
| Annual return | 18.49% | 8.26%+10.2pp | 22.07%-3.6pp | 169.23%-150.7pp |
| Employer contribution / active EE | $970 | $1,227-20.9% | $3,892-75.1% | $1,963-50.6% |
| Participant deferral / active EE | $2,056 | $2,176-5.5% | $3,166-35.1% | $3,054-32.7% |
| Admin fee / account holder | $89 | $501-82.3% | $5,666-98.4% | $504-82.4% |