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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,193 | $81,474-78.9% | $133,971-87.2% | $73,493-76.6% |
| Participation rate | 47.3% | 76.4%-29.0pp | 79.8%-32.5pp | 70.7%-23.4pp |
| Annual return | 18.42% | 19.40%-1.0pp | 45.09%-26.7pp | 28.51%-10.1pp |
| Employer contribution / active EE | $1,664 | $2,209-24.7% | $3,919-57.5% | $2,270-26.7% |
| Participant deferral / active EE | $3,034 | $3,786-19.9% | $5,047-39.9% | $3,740-18.9% |
| Admin fee / account holder | $76 | $713-89.3% | $8,929-99.1% | $513-85.1% |