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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,624 | $72,177-53.4% | $115,038-70.8% | $59,633-43.6% |
| Participation rate | 49.0% | 72.6%-23.6pp | 81.4%-32.4pp | 68.7%-19.7pp |
| Annual return | -1.02% | 12.02%-13.0pp | 26.14%-27.2pp | 2041.45%-2042.5pp |
| Employer contribution / active EE | $264 | $2,841-90.7% | $4,608-94.3% | $2,203-88.0% |
| Participant deferral / active EE | $2,119 | $4,783-55.7% | $6,026-64.8% | $3,192-33.6% |
| Admin fee / account holder | $4 | $4,927-99.9% | $8,175-100.0% | $4,297-99.9% |