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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 | $36,528 | $42,396-13.8% | $67,313-45.7% | $56,287-35.1% |
| Participation rate | 19.3% | 61.0%-41.7pp | 69.1%-49.8pp | 69.9%-50.5pp |
| Annual return | -7.34% | -36.63%+29.3pp | -4.08%-3.3pp | -9.96%+2.6pp |
| Employer contribution / active EE | $0 | $1,414-100.0% | $2,566-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $628 | $2,360-73.4% | $3,568-82.4% | $3,350-81.3% |
| Admin fee / account holder | $0 | $510-100.0% | $4,507-100.0% | $521-100.0% |