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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,016 | $50,947-78.4% | $74,549-85.2% | $64,173-82.8% |
| Participation rate | 45.6% | 61.1%-15.5pp | 69.1%-23.6pp | 69.6%-24.0pp |
| Annual return | -25.80% | -1.85%-23.9pp | 32.53%-58.3pp | 7.63%-33.4pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,021 | $2,302-12.2% | $3,108-35.0% | $3,470-41.8% |
| Admin fee / account holder | $43 | $4,221-99.0% | $5,059-99.1% | $4,887-99.1% |