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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,523 | $50,666-18.0% | $76,667-45.8% | $65,186-36.3% |
| Participation rate | 62.7% | 68.8%-6.1pp | 72.1%-9.4pp | 70.2%-7.5pp |
| Annual return | 24.66% | 28.51%-3.9pp | 1166.74%-1142.1pp | 29.39%-4.7pp |
| Employer contribution / active EE | $195 | $1,575-87.6% | $2,303-91.5% | $2,177-91.0% |
| Participant deferral / active EE | $1,771 | $2,647-33.1% | $3,336-46.9% | $3,514-49.6% |
| Admin fee / account holder | $6 | $463-98.7% | $6,423-99.9% | $847-99.3% |