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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 | $31,494 | $75,183-58.1% | $123,894-74.6% | $55,167-42.9% |
| Participation rate | 56.8% | 72.8%-16.0pp | 81.4%-24.6pp | 69.0%-12.2pp |
| Annual return | 20.66% | 19.01%+1.6pp | 47.52%-26.9pp | 169.23%-148.6pp |
| Employer contribution / active EE | $0 | $2,823-100.0% | $4,617-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $6,771 | $5,084+33.2% | $5,984+13.1% | $3,054+121.7% |
| Admin fee / account holder | $10 | $663-98.4% | $8,357-99.9% | $504-98.0% |