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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).
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 | $37,449 | $66,813-43.9% | $100,528-62.7% | $73,493-49.0% |
| Participation rate | 48.6% | 77.5%-28.8pp | 79.4%-30.8pp | 70.7%-22.0pp |
| Annual return | 23.89% | 25.70%-1.8pp | 30.90%-7.0pp | 28.51%-4.6pp |
| Employer contribution / active EE | $0 | $2,147-100.0% | $3,419-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $7,414 | $5,883+26.0% | $6,271+18.2% | $3,740+98.2% |
| Admin fee / account holder | $14 | $512-97.3% | $8,084-99.8% | $513-97.3% |