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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,889 | $69,383-72.8% | $101,264-81.3% | $73,493-74.3% |
| Participation rate | 31.2% | 68.4%-37.2pp | 75.8%-44.6pp | 70.7%-39.5pp |
| Annual return | 22.76% | 18.46%+4.3pp | 46.48%-23.7pp | 28.51%-5.8pp |
| Employer contribution / active EE | $683 | $2,628-74.0% | $3,660-81.3% | $2,270-69.9% |
| Participant deferral / active EE | $1,162 | $3,301-64.8% | $4,370-73.4% | $3,740-68.9% |
| Admin fee / account holder | $143 | $704-79.7% | $5,947-97.6% | $513-72.2% |