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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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $10,016 | $51,244-80.5% | $80,977-87.6% | $55,167-81.8% |
| Participation rate | 33.7% | 71.7%-38.0pp | 75.8%-42.1pp | 69.0%-35.3pp |
| Annual return | 7.21% | 17.39%-10.2pp | 17.11%-9.9pp | 169.23%-162.0pp |
| Employer contribution / active EE | $957 | $1,770-46.0% | $3,715-74.2% | $1,963-51.3% |
| Participant deferral / active EE | $1,817 | $4,418-58.9% | $5,696-68.1% | $3,054-40.5% |
| Admin fee / account holder | $15 | $398-96.2% | $5,517-99.7% | $504-97.0% |