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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.
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 | $6,881 | $27,330-74.8% | $67,711-89.8% | $55,191-87.5% |
| Participation rate | 18.8% | 47.5%-28.7pp | 67.5%-48.7pp | 69.2%-50.3pp |
| Annual return | 0.16% | 8.81%-8.6pp | 25.41%-25.2pp | 10.78%-10.6pp |
| Employer contribution / active EE | $1 | $855-99.9% | $2,559-100.0% | $1,899-100.0% |
| Participant deferral / active EE | $494 | $1,709-71.1% | $3,585-86.2% | $3,046-83.8% |
| Admin fee / account holder | $79 | $109-28.1% | $4,255-98.2% | $91-13.4% |