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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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $32,299 | $50,175-35.6% | $99,479-67.5% | $65,186-50.5% |
| Participation rate | 14.6% | 68.4%-53.8pp | 73.8%-59.2pp | 70.2%-55.6pp |
| Annual return | 18.69% | 25.36%-6.7pp | 30.72%-12.0pp | 29.39%-10.7pp |
| Employer contribution / active EE | $0 | $1,496-100.0% | $2,540-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $787 | $2,748-71.3% | $3,619-78.2% | $3,514-77.6% |
| Admin fee / account holder | $6 | $398-98.5% | $6,253-99.9% | $847-99.3% |