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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 | $16,911 | $46,360-63.5% | $147,617-88.5% | $52,331-67.7% |
| Participation rate | 55.3% | 64.9%-9.6pp | 84.6%-29.3pp | 68.1%-12.8pp |
| Annual return | -2.63% | 1.62%-4.3pp | 61.98%-64.6pp | 4.54%-7.2pp |
| Employer contribution / active EE | $483 | $2,126-77.3% | $5,564-91.3% | $1,882-74.3% |
| Participant deferral / active EE | $1,339 | $2,258-40.7% | $4,895-72.6% | $3,022-55.7% |
| Admin fee / account holder | $5 | $766-99.3% | $11,612-100.0% | $592-99.2% |