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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,146 | $36,767-31.6% | $81,473-69.1% | $62,293-59.6% |
| Participation rate | 10.3% | 54.4%-44.1pp | 68.0%-57.6pp | 69.5%-59.2pp |
| Annual return | 23.57% | 173.80%-150.2pp | 38.78%-15.2pp | 28.90%-5.3pp |
| Employer contribution / active EE | $0 | $1,128-100.0% | $2,568-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $976 | $2,111-53.7% | $3,537-72.4% | $3,169-69.2% |
| Admin fee / account holder | $18 | $797-97.8% | $4,561-99.6% | $479-96.3% |