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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).
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 | $41,836 | $81,494-48.7% | $133,978-68.8% | $73,497-43.1% |
| Participation rate | 52.7% | 76.4%-23.7pp | 79.8%-27.2pp | 70.7%-18.0pp |
| Annual return | 41.45% | 19.40%+22.1pp | 45.10%-3.6pp | 28.51%+12.9pp |
| Employer contribution / active EE | $491 | $2,210-77.8% | $3,919-87.5% | $2,270-78.4% |
| Participant deferral / active EE | $3,491 | $3,787-7.8% | $5,047-30.8% | $3,740-6.7% |
| Admin fee / account holder | $120 | $713-83.2% | $8,930-98.7% | $513-76.6% |