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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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $116,801 | $62,592+86.6% | $85,709+36.3% | $85,847+36.1% |
| Participation rate | 36.1% | 61.1%-25.0pp | 69.9%-33.7pp | 69.3%-33.2pp |
| Annual return | 15.02% | 23.77%-8.8pp | 21.49%-6.5pp | 318.61%-303.6pp |
| Employer contribution / active EE | $16 | $1,755-99.1% | $2,619-99.4% | $2,565-99.4% |
| Participant deferral / active EE | $1,739 | $2,802-37.9% | $3,924-55.7% | $3,952-56.0% |
| Admin fee / account holder | $32 | $4,643-99.3% | $6,876-99.5% | $6,261-99.5% |