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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.
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 | $16,741 | $39,819-58.0% | $67,834-75.3% | $57,658-71.0% |
| Participation rate | 20.8% | 61.2%-40.4pp | 68.8%-48.0pp | 70.2%-49.4pp |
| Annual return | 6.99% | 9.19%-2.2pp | 138.47%-131.5pp | 5.13%+1.9pp |
| Employer contribution / active EE | $269 | $1,277-78.9% | $2,403-88.8% | $1,974-86.4% |
| Participant deferral / active EE | $674 | $2,209-69.5% | $3,160-78.7% | $3,061-78.0% |
| Admin fee / account holder | $9 | $84-89.1% | $4,622-99.8% | $95-90.4% |