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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $7,610 | $26,805-71.6% | $59,496-87.2% | $52,331-85.5% |
| Participation rate | 17.7% | 39.3%-21.6pp | 54.6%-36.9pp | 68.1%-50.4pp |
| Annual return | -0.36% | 2.61%-3.0pp | 182.05%-182.4pp | 4.54%-4.9pp |
| Employer contribution / active EE | $240 | $450-46.7% | $1,153-79.2% | $1,882-87.3% |
| Participant deferral / active EE | $609 | $916-33.5% | $1,829-66.7% | $3,022-79.8% |
| Admin fee / account holder | $63 | $305-79.5% | $2,232-97.2% | $592-89.4% |