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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 | $38,050 | $89,652-57.6% | $141,197-73.1% | $65,186-41.6% |
| Participation rate | 57.1% | 74.7%-17.6pp | 82.5%-25.3pp | 70.2%-13.1pp |
| Annual return | 22.49% | 32.79%-10.3pp | 71.41%-48.9pp | 29.39%-6.9pp |
| Employer contribution / active EE | $331 | $3,065-89.2% | $4,736-93.0% | $2,177-84.8% |
| Participant deferral / active EE | $2,858 | $5,691-49.8% | $6,710-57.4% | $3,514-18.7% |
| Admin fee / account holder | $6 | $569-98.9% | $10,265-99.9% | $847-99.3% |