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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).
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 | $15,728 | $46,219-66.0% | $89,435-82.4% | $90,274-82.6% |
| Participation rate | 1.2% | 44.9%-43.7pp | 68.0%-66.7pp | 73.4%-72.1pp |
| Annual return | 28.09% | 25.71%+2.4pp | 245.55%-217.5pp | 53.97%-25.9pp |
| Employer contribution / active EE | $0 | $953-100.0% | $2,587-100.0% | $2,523-100.0% |
| Participant deferral / active EE | $57 | $2,136-97.3% | $3,890-98.5% | $4,231-98.6% |
| Admin fee / account holder | $32 | $147-78.1% | $4,884-99.3% | $114-71.8% |