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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported that benefits due were not provided when due.
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 | $95,206 | $48,364+96.9% | $71,796+32.6% | $62,881+51.4% |
| Participation rate | 39.1% | 60.6%-21.5pp | 69.1%-30.0pp | 69.3%-30.2pp |
| Annual return | 7.38% | 13.16%-5.8pp | 78.04%-70.7pp | 20.14%-12.8pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,815 | $2,091-13.2% | $2,794-35.0% | $3,203-43.3% |
| Admin fee / account holder | $38 | $3,771-99.0% | $4,815-99.2% | $4,296-99.1% |